One issue with doing away with QI is how LEOs will respond, which is predictable. Are we going to pay them more to compensate? They would have to carry liability insurance in effect. An OB/GYN may pay $150 K a year for insurance.
I think the controlling PD will have to pay for it.
Yes, I would assume in many cases you would grant them an additional stipend on top of their pay for the liability insurance.
In 2018, the NYPD paid out over $300M in lawsuit damages... If they spread that equally amongst officers, it would give every officer $10K annually as an insurance allowance.
I don't know who's paying $150K/annually for malpractice insurance. This article (
https://howmuch.net/costs/medical-malpractice-insurance) suggests that the average for doctors is around $7,500 annually. Certain specialties carry higher sums, of course (article says for surgeons it can be $30K-50K per year).
If you make the controlling PD pay for it directly, then you end up with the exact same problem--you think the union will let the PD fire an policeman because his premiums are too high?
But if the PD pays a stipend and then each officer is responsible for their own insurance, the good officers might find themselves pocketing a little extra cash each month because their premiums are lower than their stipend, while the bad officers will get priced right out of a job.
