Comment by canyaread

The parent poster is suggesting the cop needs to pay for the insurance. Cop salaries aren't going to rise to meet the most uninsurable person, eventually a cop will be unable to afford their insurance based on their salary.

You, in fact, argue in support of their idea -- there's lots of people who want to be cops. That keeps salaries lower, making a ballooning insurance cost impossible for a bad cop to continue to pay.