All departments I've ever worked with are self-insured with the tax payer on the hook ultimately. That's the one difference between governments and businesses is that governments can ultimately pass the buck literally back to the people...
Part of that is a municipality by municipality thing. Minneapolis is considering making INDIVIDUAL officers to get personal law enforcement liability as one of the reforms; they'd basically be like doctors in that sense. Doctors have to get personal liability for practicing medicine.
This would effectively outsource the vetting of police officers to insurance companies, because if you couldn't find a company willing to insure you, you can't take the job.
All departments I've ever worked with are self-insured with the tax payer on the hook ultimately. That's the one difference between governments and businesses is that governments can ultimately pass the buck literally back to the people...
Part of that is a municipality by municipality thing. Minneapolis is considering making INDIVIDUAL officers to get personal law enforcement liability as one of the reforms; they'd basically be like doctors in that sense. Doctors have to get personal liability for practicing medicine.
This would effectively outsource the vetting of police officers to insurance companies, because if you couldn't find a company willing to insure you, you can't take the job.