> Sure, but there’s someone managing a budget and has to decide to either hire 2 good cops or 1 expensive bad cop.
They already have to do this when the agency is liable and the cops aren't because of QI; which is equivalent to the agency self-insuring and managing risk through personnel policies and decisions.
Making the major crimes involved insurable would negate any benefit from making cops individually liable by eliminating or restricting the scope of QI.
The next step might be that departments have to publish their insurance rates, like the recent hospital bill law.