I used to carry individual malpractice insurance, but was advised by the hospital risk management not to do so. Again, the "deep pocket" theory came up. Now, I don't really know what is the right thing to do. I know I haven't really anything that can be taken. My house and car are mine and can't be taken, and I haven't anything besides that. If I get the policy, then they have something to go after. If I don't get the policy, they have nothing. If getting a policy guarantees me at least the cost of the lawyer is covered then it might be worth my measly $100.00.