If you are insured through CRICO, it is extremely unlikely.

If a suit is not dropped, dismissed, or settled before trial; and if a trial verdict (plus interest accrued while the case is pending) exceeds $5 million; and if a settlement negotiation of the verdict to a lower amount is unsuccessful; and if an appeal is unsuccessful; and if the verdict did not include any other physician defendants with their own policy limits to contribute; then the physician would be personally liable for the amount of the verdict above the policy limits. Thus, a CRICO-insured physician's losing his or her home is theoretically possible, but highly improbable. The risk may be higher for non-CRICO physicians with lower coverage levels.