Civil liability for ones own criminal acts (at least wilfull ones, and often wilfull rather than merely negligent acts more generally) is often prohibited (the exact boundaries differ by jurisdiction), for very strong public policy reasons, and the vast majority of the acts of concern with police abuse are (very frequently unprosecuted, but that's not material when it comes to whether the civil liability is insurable) both willful and crimes, not mere negligence in either the general or professional malpractice sense (almost always intentional deprivation of rights under color of law and/or conspiracy against rights, and very often wilfull/intentional violent crimes on the assault to voluntary manslaughter to murder spectrum.)
Drawing analogies to medical malpractice misses the fact that medical malpractice covers mistakes that fall short of the professional standard of care, but don't cover when someone who happens to be a doctor just decides to murder someone.
No! The whole point of removing qualified immunity is they no longer need to take criminal actions to be sued. Anything they do can be subject to a civil suit which the cop will now need to defend against.
> The whole point of removing qualified immunity is they no longer need to take criminal actions to be sued
No, it is so accountability no longer, in practice, relies on public prosecutors choosing to file criminal charges. The acts of major concern are criminal acts, that are routinely unprosecuted (in some cases, this might be just because of the civil vs. criminal standard of proof differences, but it's very clear that there are a lot of cases of prosecutorial favoritism to law enforcement, whether because of the working relationship that the two institutions naturally have or for other reasons.)
Civil liability for ones own criminal acts (at least wilfull ones, and often wilfull rather than merely negligent acts more generally) is often prohibited (the exact boundaries differ by jurisdiction), for very strong public policy reasons, and the vast majority of the acts of concern with police abuse are (very frequently unprosecuted, but that's not material when it comes to whether the civil liability is insurable) both willful and crimes, not mere negligence in either the general or professional malpractice sense (almost always intentional deprivation of rights under color of law and/or conspiracy against rights, and very often wilfull/intentional violent crimes on the assault to voluntary manslaughter to murder spectrum.)
Drawing analogies to medical malpractice misses the fact that medical malpractice covers mistakes that fall short of the professional standard of care, but don't cover when someone who happens to be a doctor just decides to murder someone.