Shen is a doctor with a standard HO$-1$ policy with $$450,000$ worth of insurance on his home, an auto insurance policy with liability limits of $\frac{100}{300}\frac{?}{50},$ and an additional professional liability policy that protects him against negligence and mistakes made only in his professional activities with a $$500,000$ limit$.$ His daughter recently took a course in personal finance and wants to make sure her father is adequately protected from potential losses. Although she knows her father has all the standard policies, she describes a number of situations that aren't always covered under standard policies.