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phoenixmatrix t1_j6y16hm wrote

Reply to comment by k1lk1 in New York Pays $121 Million for Police Misconduct, the Most in 5 Years by hau5keeping

>and require officers to purchase malpractice insurance

This IMO is the biggest one. And if they then just go "Ok but we just wont' arrest anyone if its too risky" then fire them, like you would anyone who refuses to do their job.

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stork38 t1_j6yxq35 wrote

Can anyone provide a name of these mythical insurance companies that write policies for police officers?

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phoenixmatrix t1_j6yy0qe wrote

I doubt there's a mass market for these right now since they don't need them.

But given a big enough dollar amount, you can get an insurance company to write you a policy for almost anything. If I want insurance to handle the case where I would get pregnant (which is biologically impossible for me, born with only male parts and all), someone somewhere will underwrite it for the right price.

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stork38 t1_j6zdhc9 wrote

My guy, if they existed they'd be used. Do you think some small town with 6 cops wants to keep lawyers on staff? No, they'd rather pay insurance but such a thing would never exist or even be reasonably priced.

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phoenixmatrix t1_j6zjr6d wrote

It wouldn't be cost effective for anyone if the town paid for it, because the person who can cause trouble isn't the one footing the bill. That small town absolutely could find someone to underwrite it, it would just be cost prohibitive. If the cops themselves had to pay for it on their own, it would STILL be cost prohibitive (at first), but they wouldn't have a choice.

I've had to get some insurance for pretty non-standard stuff in the past. You can't just sign up online, and need to talk with an actual human and negotiate, but it can be done. And if the market gets big enough, then it would become "standard" insurance over time.

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stork38 t1_j6zn395 wrote

Very reasonable to have cops who make $35k paying $20k for insurance. Great idea!

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