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I guess I'm just not happy with the idea of some insurance company taking the hit. It still doesn't hit cops directly enough even if their rates go up. Start making the union pay and maybe the union will make their members get in line.
The advantage of having officers carry malpractice insurance is the same as it is with doctors. Eventually, the premiums to insure a bad officer get so high, no one is willing to pay them. Or, they simply uninsurable, as no company is willing to take on the risk. It also means there will be a large and politically connected organization (insurance companies) which have a financial interest in collecting data on bad police officers. Sure, that should be the government's job, but since we know that's not happening, why not exploit corporate greed for a positive thing?
Take it out of their pension fund.
Oh now that I like.
ACAB - all cops are broke.
Real reactionaries too
Yeah, well, you know, that's just, like, your opinion, man.
Insurance companies screw over everyone. That's what they do. I'm okay with them sharing.
Insurance companies are never mandated to take a policy - pushing up premiums is an effective way to discourage future bad behavior.