<The difference is a single police officer would have personal responsibility> You're speaking of private insurance, then. If you were an insurer, would you o

<The difference is a single police officer would have personal responsibility> You're speaking of private insurance, then. If you were an insurer, would you offer such a policy at a premium low enough for public agencies to justify buying? And even if so, I see a lawsuit risk there: "This agency must have known that Officer Dicey was a ticking time bomb -- they even took out an insurance policy on him!" How do you think your average American jury would react to that?