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

                                           0 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 iSos 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. P olicy  D evelopm ent...................................................................................................1574
          2. E ducation  and  Training............................................................................................1576
          3 . A u d its  .......................................................................................................................... 1 58 2
          4. A ccred itation ..............................................................................................................1584
          5. P erson n el  ....................................................................................................................1585
          6. Om nibus and Structural R eform s............................................................................1586
        B. Underwriting and Rating...............................................................................................1587
          i. C overage  D enial.........................................................................................................1588
          2. D ifferentiated  Prem ium s  ...................................................................................... 1589
          3. D eductibles  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. QUESTION    S  AND  IM PLICATION  S....................................................................................1595
        A. Does Police Insurance Reduce Police Misconduct? .............................................. 1595
        B . The R isk  of  Overregulation.......................................................................................  16o
        C. D em ocratic  A ccountability  ............................................................................................ 1 603
        D. Law's Content ................................................................................. 16o7
        E . The R ole  of  Insurance  Law ........................................................................................ 16io
    C O N C L U SIO N ...............................................................................................................................1613


                                                                        1539

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