A new study finds people may benefit when police departments take out private insurance policies. John Rappaport with the University of Chicago Law School has been studying the industry.

The majority of police departments in the country are small to midsize, and many of them have liability insurance.

In a report published this month, Rappaport says insurers are incentivized to reform departments because they’re on the hook for police misconduct claims. Companies may set up training for officers. But Rappaport also found that many small departments don’t receive claims of misconduct.

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