I think I'd prefer the idea (I forget where I first saw it) that officers have to buy a bond/insurance. That way the worst ones would price themselves out of th

I think I'd prefer the idea (I forget where I first saw it) that officers have to buy a bond/insurance. That way the worst ones would price themselves out of the market. Having group rates for officers/departments might have the effect you're looking for. I don't mind it terribly that local taxpayers have to foot at least some of the bill for this kind of thing. Hopefully they will be reminded come election time if a sheriff or a mayor has allowed deputies to run rough shod over peoples' rights.