Most professions require individuals to carry an E&O that covers their liabilities and I wonder why the tax payers should covers the liabilities of policy misconducts.
This will save money to the municipalities resources that can be allocated to better areas, encourage our policy officers to behave responsibly.
This is a self regulatory method dictated by ones own behavior. The more the claim, the higher the premium will be to the point everyone will be more careful.
The limit of the E&O should be set to 1Million / 2 Millions aggregate.