[pinkmuffinere]

Some of the additional expense would be due to an individual risk profile, and some of the expense would be due to lack of bargaining power. The expense due to individual risk profile is a feature. The expense due to lack of bargaining power is not.

[SR2Z]

There are thousands of cops if not a million outright. I don't think this will be a problem.

[pinkmuffinere]

I don’t know if you’re familiar with how bargaining works, but you only get the price break if you can come in as a large unified group. Having millions of individuals doesn’t result in a price break. Eg There are millions of private individuals buying health insurance in the US, but they have no bargaining power unless they purchase as a unified block. Individual health insurance policies are notoriously expensive.

[noosphr]

Police have unions.

[direwolf20]

Then the department can pay for each officer's insurance.