One industry whose members are the target of a considerable number of legal actions is the healthcare industry, physicians and surgeons in particular. While it is a fact that medical professionals are still human and do make mistakes, it is also true that many claims brought forward are borderline at best. All professionals in the healthcare industry understand their need for errors and omission insurance protection, but this does not protect personal assets. The best option for asset protection is usually establishing a revocable living trust that transfers excess personal wealth under ownership of a separate financial entity. The only damages available in a legal action will then be limited to insurance policy protection. This is a legal step that should also be part of an overall estate management plan that could include other financial instruments as well. Business owners and employers commonly amass significant wealth when their businesses are highly successful. The problem for these individuals is often protecting assets from business associates, employees, and government agencies that all could present a legal challenge over any particular issue. Once again, most employers are protected from most lawsuits stemming from workplace injuries, but that is not always the case when a plaintiff attorney can prove negligence in a court hearing.