Thanks to medical liability lawsuit reforms that were advocated by the Texas Medical Association in 2003, physicians today have much less to worry about from spurious or overinflated malpractice lawsuits. However, as a physician, you are still facing a potentially devastating risk from a different source. Personal liability lawsuits are commonplace, and your malpractice and business liability insurance does not protect you outside of your professional life. There are several areas where you could be at risk of a personal liability lawsuit.