[staticautomatic]

Municipal insurers already do that

[WillAdams]

For municipalities --- requiring that individual officers secure their own insurance would have far more effect on behaviour and standards.

[anigbrowl]

It seems like municipalities just past the insurance costs onto taxpayers.

[georgeecollins]

The problem is that if elected officials are not comfortable confronting police unions about their conduct then any cost you pass on to the union or the officers is potentially just passed on to tax payers. Not that I disagree with any idea to hold police more accountable. You just have to address the issue from more than one direction.