I don't see how this isn't paid for by the taxpayer. You say the cops should pay for it themselves, but we give the cops every dollar they have so who is really paying when it's your dollar being given to the cop to be given to an insurance provider?

In truth right now, departments self insure for malpractice and spend a ton of money on litigation. They don't care how much it costs, the taxpayer always pays. You can actually get fired after being sued and you just get hired in a department the next town over, because malpractice insurance isn't going to do squat about the boys club mentality that pollutes American police departments. Doctors never protect their own over malpractice like the police routinely do, so we shouldn't even entertain using the model doctors use when it's apples and oranges to begin with.