It's so crazy it just might work

I like the concept in many ways. I don’t know that lawsuits should come out of the police pension fund- there are all sorts of Orwellian implications there- and we are SUPPOSED to have a chain of command and separation of entities like IA to “police police.” The idea is to improve the police force, not penalize “good” cops for the bad ones. Then you drive away good cops who keep suffering for their idiots coworkers.

As for insurance... I could see that going various ways good and bad. Let’s say hypothetically, in my lifetime of experience... we can pretend that perhaps I’ve seen companies cover up for employees that weren’t insurable and worked jobs that required it. Falsify reports, hide paperwork, to keep insurance- or just A let them operate without insurance, or B the company picked up a high cost private policy to cover them. So I could see in some cases- this just basically funneling tax dollars to private insurance companies for huge cost “high risk” policies that departments take out to keep people that they want to retain but by the rules couldn’t.

To have teeth- we’d first need to mitigate or remove qualified immunity- which recently the Supreme Court refused to hear a case on- and in over 40 years, only 2 tines has the Supreme court ruled that an official acted beyond the scope of qualified immunity. Insurance requirements are pretty meaningless when- if the person in question has no insurance- you can’t pursue them personally- and for the insurance to come in to play- they’d need to first be found not immune to civil litigation. So in 2020 right now- offering misconduct insurance to cover the judgment of civil litigation against police officers would actually be relatively low risk for insurance.

To put it in perspective- A recent case had police given the keys to the home of a suspect- and instead of using the keys... they shot in tear gas and busted the door down. The police caN- and DO literally go to the wrong house for a raid like a drug bust- bust your door down or shoot you- and in either case you can’t even get the money back for a new door because THEY attacked the wrong house. Those are examples of the level of leeway the court gives in qualified immunity. Now- SOME form of qualified immunity is required for public servants- the nature of their job even when done well and with best intent to not harm- shit happens. We can’t have mass shooters suing police for ruining their shoes when tackle them in the grass mid shooting spree for example. But... well... as you see it is complex.