We have a insurer with a vested interest in ensuring the officer doesn’t fuck up in the first place. Insurers don’t want claims at all, because whether they win or lose thats still money being spent, albeit more in the latter case.
Rates would go up due to the numerous claims against Officer McShooty (even if defended) and he wouldn’t be able to afford it. He goes to another department? If they have insurance he’s still in the system so…