> They're going to need insurance.

Liability from criminal acts is generally legally uninsurable for very strong public policy reasons, even without a conviction of the crime, and deprivation of rights under color of law is already a federal crime. (And many of the other things at issue with police abuse—murder most obviously—are more specific state and/or federal crimes, as well.)

There's a space of insurable liability without QI, but it's not actually the space of most interest in the police abuse discussion.