This last year, we have seen big companies, sports teams and individuals make a splash by trying to push for social justice activities through their dollars, deeds or statements. The one industry that has been relatively quiet in the arena —and the one that has been a silent force around justice, security and responsibility for decades ̵
We joke about the safety announcements about pharmacy advertising, product warnings, and so on. A and yet these messages are in place to improve product safety and protect the public and their creation was primarily driven by insurance companies and loss engineers.  What is less known is that insurance has also quietly driven companies to have programs for fair and equal employment, age discrimination or the prevention of sexual harassment by either requiring companies to have good programs in place to obtain insurance or by providing incentives to meet the requirements.
Carriers have done this, not because they are too altruistic, but because it makes economic sense to encourage companies to have good worker safety and human resources that protect workers and help prevent wrongful litigation.
19659002] Insurance companies also insure the police. This can be done through policies with individual departments or with groups of cities and municipalities for smaller police units.
Historically, carriers have worked with police units to take measures to limit losses and lawsuits. But maybe now, similar when laws on equal opportunities and laws on sexual harassment came into force it was time to quietly take a more active role. If carriers can push for new warranty standards aimed at improving police relations with their community and pursue more equitable treatment to reduce lawsuits, they can continue to provide insurance to communities that meet the need.  Those who are not willing to meet or make a move against the new standards will be faced with either higher prices or a need for self-insurance. Some of the most important methods to consider:
- Employment methods that take into account the officers' complete construction history are similar to how medical employment considers a doctor's malpractice history and cargo ] s a history of driver driving. Communities or States that maintain this information may be considered for a benefit guarantee.
- Incident plans showing the agreed – to step on how different government institutions plan to work together to resolve and deal with different types of incidents should they occur well-defined game book . This is like the various risk interruptions and continuity plans that a company can expect companies to have.
- Scope of services provided by the department. This would be s similar to how other service organizations are evaluated – the more things they specialize in the less equipped they are doing them all good. The police have a specific responsibility to protect and serve society, but may be less well equipped to dea l with other societal issues such as homelessness, mental illness or hunger. Is the department asked to do too much? It & # 39; it is well known that companies that have better relationships with their customers and with their employees in general are at better risk of writing. It's it's time to consider whether departments that have better relationships with all groups in their communities are also at better risk.
- Training methods and procedures – are they appropriate to provide and maintain officers' skills in all their main tasks ? Do they cover stripping, community policing and interactions with different social or ethical differences or are they less balanced? This is similar to as the analysts do when looking at other companies to see if they are training in full specialization for their services.
In short, while other industries have made the big splash, carriers can have just as much influence if not quieter. Is it not time to reconsider the standards of insurance and loss control for police departments to reduce the exposure of liability by running loss prevention and policing that is fairer to all?
Special thanks to Desiree Emmanuel who helped research this topic.