No one in my state will employ a T if they don't carry malpractice insurance. I don't know if it's legally required technically, but you can't even do an internship without it.

I'm surprised a psychiatrist, a medical doctor, would not carry malpractice insurance. Sexual exploitation is a huge factor of malpractice in therapy. They can't hurt you physically but can emotionally so they can be sued for causing emotional distress. I don't don't think sex between a T and client is illegal in every state but if it is in California then yeah, I don't think the malpractice insurance will be of any help in that case.

I thought the insurance was for the benefit of the T or pdoc. Can't you still file charges or even a civil lawsuit whether they are insured or not?