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this post was submitted on 11 Jun 2026
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I've seen it proposed that cops should have to start carrying essentially malpractice insurance that they pay for out of their own pocket and that would cover payouts in the event that they get sued. This would have the added advantage that all those "bad apples" that somehow always seem to end up transferred to new precincts instead of fired and banned for life wouldn't be able to get anyone to insure them effectively banning them.
Good idea.
While that's the hope, if an insurance agent refused to cover a cop (even if for good reason) that agent would spend the next six months to a year having to buy new headlights every time they drive.
If an insurance company refused to carry a cop, they'd be sued out of existence by every police union and booster org in the nation.
That's stalking and illegal. I also don't think I've ever known the full name of any insurance rep but i didn't use local ones.
Legalities never stopped them before.
The agent is a local, usually small business, and acts as a buyer on your behalf. They guide you on coverage to get, and the options available to you.
Those quotes come from the major insurance companies you always see advertised. They are the ones underwriting your coverage. These are almost invariably faceless corporations, with decisions by faceless computers.
The local agent can't do anything but recommend coverage elsewhere.