It should be mandatory for police to carry their own insurance [View all]

[tulipsandroses]

I think they should pay for their own insurance - akin to healthcare providers' malpractice insurance. As a healthcare provider, I carry my own malpractice insurance. I also have malpractice insurance through my employer. Its always advised to carry your own insurance. If the business is sued because of something you the provider are accused of, don't always assume the the business will protect you.
Some businesses, usually smaller ones, make it mandatory for providers to carry their own malpractice insurance.

My point is, if these cops have to pay out of their own pockets, they may think twice before being reckless. As it stands, they have no financial skin in the game. Someone sues, they are suing the city. AKA local tax payers. Malpractice insurance is not cheap. Depending on the field. The higher the risk, the higher the insurance. I have worked with healthcare personnel that left areas of medicine due to it being high risk and having to pay an arm and a leg for malpractice insurance. I think policing should be considered high risk and make them pay an arm and a leg for insurance

By the way, I think all gun owners should carry insurance.