BILL NUMBER: S8676

SPONSOR: BIAGGI
 
TITLE OF BILL:

An act to amend the general municipal law, in relation to requiring
police officers to maintain liability insurance; and to amend the public
officers law, in relation to excluding police officers from provisions
requiring defense and indemnification of state officers and employees

 
PURPOSE OR GENERAL IDEA OF BILL:

To require police officers to carry individual liability insurance.

 
SUMMARY OF SPECIFIC PROVISIONS:

Section 1 amends the General Municipal Law by adding a new section 52-a
to require all police officers obtain liability insurance and maintain
coverage during the course of their employment as a police officer.
Their employer must cover the base rate of the policy.

              

Section 2 amends section 17, subdivision 1 of the public officers law to
exclude police officers and peace officers from employees indemnified
and held harmless by the state.

Section 3 sets forth the effective date.

 
JUSTIFICATION:

Every year, New York City taxpayers spend millions of dollars paying out
claims against NYPD officers for using excessive force, violating civil
rights, making false arrests or imprisonments, and other misconduct.
Between July 2017 and June 2018, New York City paid out $230 million in
6,472 cases, according to a report released by NYC Comptroller
Stringer's Office. Claims against the NYPD represented 36% of all tort
claims in FY 2017-18.1 And while the city pays out millions each year,
officers often face little to no accountability for their actions.
Taxpayers should not be responsible for bailing out police officers who
engage in misconduct. Yet, indemnity provisions in state law protect
officers from any personal liability.

This legislation would exempt police officers and peace officers from
the provisions in the Public Officers Law that hold state employees
harmless in legal judgements filed in state or federal court.  Instead,
officers will be required to obtain personal liability insurance that
covers any claims against them for acts or omissions that occur during
the time they are on the clock. The entity that employs them will be
required to cover the base rate of the policy. Officers who engage in
misconduct, and as a result have claims brought against them will see
their premium go up, creating a financial disincentive for misconduct.
Officers who repeatedly engage in misconduct may see their rates go up
until it becomes cost prohibitive, forcing officers to change behaviors
or leave the field of law enforcement.

 
PRIOR LEGISLATIVE HISTORY:

New bill.

 
FISCAL IMPLICATIONS:
To be determined. Localities will have to cover the base rate of the
policy for each officer, however the cost will be at least partially
offset by a reduction in claims against the locality.

 
EFFECTIVE DATE:
Immediately.
1 https://comptroller.nyc.gov/reports/annual-claims-report/