Malpractice insurance also known as E&O (Error & Omission) has been a very successful self policing tool, holding professionals accountable for their actions.
It should be mandatory for every law enforcement officer to carry a professional Liability insurance which pays for misconduct instead of the Municipality.
The frequency of claims and rising cost of insurance premium will make it harder and harder for bad individuals to get coverage, eventually leaving the police force.
It will eliminate poor background check prior to hiring because insurance companies are pretty good in keeping loss run reports.