If someone is wrongly imprisoned, injured or killed the financial remedy must not stop at the individual officer’s net worth / insurance coverage maximum or be subject to potential coverage gaps.
Additionally, everyone will still pay the cost through taxes, but now an insurance company will try to turn a profit on it and those living in regions with “good cops” will be subject to the tax as well.
It's too bad the system is corrupt and they won't hold people within the system accountable.
https://slatestarcodex.com/2014/12/17/the-toxoplasma-of-rage...
If there is no case to be made in defending a cop, nobody wants to make it. But then it isn't a story, because it's only a story if it's a controversy.
That creates the impression that many people are defending all of these bad cops in the clear cases, when they're really only defending them in the controversial cases.
And a system where the cops in those cases end up with unaffordable "malpractice" premiums and have to quit would be a benefit.