Police Brutality - Step 2

[aphar]

Next step after eliminating special treatment for government officials - require all law enforcement officers to carry indemnity
insurance, similar to malpractice insurance carried by physicians and dentists.
Police unions can organize that.
Then insurance companies can assess personal risk of each officer and place the price on police misconduct. Basically, a Derek Chauvin will not be able to afford such an insurance after a few official reprimands and will have to leave the police force.

Comments

[brevi]

For this, you would have to pay police and other law enforcement officers about the same salary as physicians’ and dentists’ typical income. I am sure that, even without such an insurance, if you pay an elite cop $300K, he will be very careful not to do anything stupid on the job so as not to jeopardize his sinecure.

[aphar]

For this, you would have to pay police and other law enforcement officers about the same salary as physicians’ and dentists’ typical income.
Not necessarily.
Plumbers and electricians carry insurances too.

if you pay an elite cop $300K, he will be very careful not to do anything stupid on the job
They are already paid way more than they can expect anywhere else with their IQ/skills, and they do care about their jobs.
It's just that they are not losing the jobs over misconduct because of the Union intervention.
If the Union is arranging for the insurance, the tables will be reversed, and the Union will be eager to save money and get rid of bad apples.

[brevi]

Plumbers and electricians carry liability insurance against damage to property only, that’s why it’s cheap. I don’t think their insurance covers serious bodily harm or death to third parties as result the covered worker’s malpractice. Alternatively, I may be mistaken and such events may be covered but are exceedingly rare so as not constitute the main risk to the insurer.

[ymarkov]

Insurance companies are good to very good on rating group risk, not individual ones. The proposal can still work, but it will be much better at getting rid of bad officers post-incident rather than before.

[aphar]

Nevertheless, they do calculate premiums individually.
Also, not all incidents are lawsuite-worthy - a couple of reprimands and an officer becomes uninsurable.