The only difference I can see is that, like your car policy, if you have to pay a claim your rates go up. That would cause someone not to want a claim filed against them because their salary goes down (assuming the department doesn't just raise their salary to compensate). Still, I think you're right, the tax costs would just go up.
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Yes, but there is now incentive to weed out the few officers that are the source of all the complaints. The ones that give good officers a bad name and are a walking lawsuit waiting to happen.
Noone (neither police nor citizens) want them on the force as they make everyone's life more difficult. But right now there is zero incentive to remove them, and only a union fighting to back them no matter what.
I'm assuming if you have a stream of 20-30+ excessive force complaints against you over the past two years, based on past behavior you are very likely to have them in the future and be the cause of a terrible situation leading to a lawsuit.