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Psychiatric Malpractice insurance is about the cheapest to buy, I believe, because it's so difficult to prove damage. When one can display a physical deformity caused by a physician, it's pretty clear. Proving that someone is fucked up worse than when you started treatment with them in psychiatry is nigh impossible (even in the cases of recovered/false memory).
The personal effect of the malpractice boondoggle in PA is that I lost out on a raise ... by way of "belt-tightening" because the hospital which had been paying a couple hundred grand in malpractice insurance was suddenly having to pay around $2 Million per year.
Sometimes we put the "non" in "non-profit."
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