https://news.yahoo.com/hidden-hand-uses-money-reform-101503866.html
Insurance companies turned 'police regulators' have been quietly shaping America's cities
Kit Ramgopal and Brenda Breslauer
July 19, 2020·12 min read
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By the summer of 2013, Niota's insurer, a Tennessee risk pool, was fed up. Preece said the insurer gave her a choice: remove the officers or lose coverage. And just like that, although criminal and civil cases against them were dismissed, two-thirds of Niota's police force had to be replaced.
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In recent years, a little-known player has been quietly reshaping America's smaller police departments: the insurance industry. Across the nation, city insurers have demonstrated surprising success in "policing the police," eliminating risky protocols, ousting police chiefs and even closing problematic departments altogether.
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Insurers can also push operational and personnel changes. In the Tennessee city of Rutledge, near Knoxville, pressure from an insurer led the mayor to fire a police chief facing assault charges. "I hate it for him, but my hands were tied," the mayor said.
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