Department insurance policies are the only thing that seems to scare departments into improving policies and behaviors.

Insurers who threaten to drop departments have immense leverage that city managers, city elected leaders, and voters don’t.

There aren’t a lot of departments who go bankrupt, but the few that do make a crying show of it and they are a great to show departments who flout reform.

> Such consequences will never come from the state.

Seattle’s consent decree directly contradicts this.

https://www.justice.gov/opa/pr/justice-department-returns-fu...