Endemic police violence

Redditt Hudson, a black former cop, wrote this article detailing the culture of racism flamed violence in American police departments. He tells an awful story that's well worth reading. He writes:

"On any given day, in any police department in the nation, 15 percent of officers will do the right thing no matter what is happening. Fifteen percent of officers will abuse their authority at every opportunity. The remaining 70 percent could go either way depending on whom they are working with. "

So rooting out the 15% of abusive cops would go far to fixing the problem.

I wonder if private insurance could be an effective tool to stem police misbehavior. I am not clear if municipalities self-insure against the professional conduct of their police. Cities have had to pay out large sums to victims of police violence. What would happen if each police officer were required to carry individual police conduct insurance? (Compare this to malpractice insurance that doctors need to practice medicine.) Who actually pays for the insurance coverage is not as important as the insurer adds a layer of independent oversight. Insurance providers don't want to pay claims; they won't insure officers with a record of misconduct. It might just work as a tool to weed out the bad cops and warn the others that big brother is watching (when they're on duty, that is).