@georgetakei All LEOs should have to carry personal liability insurance, like doctors and lawyers. Municipalities should take their existing insurance premium money, and distribute it as an allowance to the LEOs to pay for this, and to get out of the liability business. This insurance would be REQUIRED in order to hold a law enforcement job. If you are violent, your insurance goes up, and that comes out of your pocket. If you are too violent, or kill someone without defending yourself, you lose your insurance coverage and can no longer workin law enforcement.