Should Police Have Liability Insurance?
Suppose police departments were required to have liability insurance policies on their police officers, so if they were sued by injured civilians there would be money available from a source other than taxpayers? One would think that political conservatives would welcome that result because it would lower the tax burden. But who should be paying for the insurance policy?
The idea being advanced here is that such policies should be required, and individual policemen should have a deduction from their salaries to pay for the policies. This would provide financial protection for the policemen (they would all be insured) in the event they did something foolish, but it would also protect the taxpayers and provide an independent fund for the victims. For instance, the policies could provide for up to several million dollars towards the death or injury of a civilian victim. It might be recalled that local governments (e.g., Detroit) can go bankrupt, so the policies would provides assurance of compensation where needed.