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130 Harv. L. Rev. 1539 (2016-2017)
How Private Insurers Regulate Public Police

handle is hein.journals/hlr130 and id is 1565 raw text is: VOLUME 130 APRIL 2017 NUMBER 6 HARVARD LAW REVIEW © 2017 by The Harvard Law Review Association ARTICLE HOW PRIVATE INSURERS REGULATE PUBLIC POLICE John Rappaport CONTENTS IN T R O D U C T IO N ..........................................................................................................................154 1 I. THE PROVISION OF POLICE LIABILITY INSURANCE ...............................................1550 A. Conceptual Overview of Liability Insurance...........................................................1551 B. The 1980s Insurance Crisis and the Rise of Intergovernmental Risk Pools...........1555 C. The Contemporary Market for Police Liability Insurance........................................1558 i. Commercial Insurance, Risk Pooling, and Self-Insurance ..................................1558 2. The Pervasiveness of Private Influence ..................................................................1566 D. The Typical Terms of Coverage ......................................................................................1570 II. HOW INSURERS REGULATE THE POLICE....................................................................1573 A. Loss Prevention...............................................................................................................1573 i. Policy Development ...................................................................................................1574 2. Education and Training............................................................................................1576 3 . A u d its ..........................................................................................................................158 2 4. A ccred itation ..............................................................................................................1584 5. P erson n el ....................................................................................................................1585 6. Omnibus and Structural Reforms ............................................................................1586 B. Underwriting and Rating...............................................................................................1587 i. Coverage Denial .........................................................................................................1588 2. D ifferentiated Prem ium s .......................................................................................1589 3. Deductibles and Self-Insured Retentions...............................................................1590 4 . L im its ..........................................................................................................................15 9 1 C. The Regulatory Role of Reinsurers............................................................................1591 D. A Note on Making Governments Pay...........................................................................1593 III. QUESTIONS AND IMPLICATIONS....................................................................................1595 A. Does Police Insurance Reduce Police Misconduct? ..................................................1595 B . The R isk of Overregulation....................................................................................... 16o C. Democratic Accountability ............................................................................................1603 D. Law's Content ..................................................................................................................1607 E . The R ole of Insurance Law ........................................................................................ 161o C O N C L U SIO N ...............................................................................................................................1613 1539

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