It is also a way to actually hold police accountable over multiple jurisdictions without making police talk to each other. I would rather weed out shitty cops via insurance than via deaths.

Ie if you aren't insurable in nyc, you won't get a job in dutchess.

Although there would need to be a balancing game between premiums and payouts to get an insurer on board.

Edit, thought about this alittle more and realized that as tax payers 125m is cheaper. 36,000 police means that the premiums are 3.5k or less, which considering my workers comp 5 per 100, at 65k you end up with a premium of 3.2k and police should get a higher risk profile and earn more than 65k. 125m is cheaper assuming tax payers would fund insurance so the balancing game is a lot harder.