Utilizing Brady Material to Enhance Actuarial Data for Professional Liability Insurance

Police misconduct and excessive use of force have been contentious issues that have spurred calls for systemic changes within law enforcement agencies. One potential solution involves the use of actuarial data to assess risks for issuing professional liability insurance. By incorporating Brady Material, which comprises records of police misconduct and use of force incidents, into actuarial calculations, insurance companies can more accurately evaluate the risks associated with individual officers and police departments. This approach aims to promote transparency, accountability, and equitable compensation for victims of police misconduct while providing an alternative to qualified immunity. This essay explores how the integration of Brady Material into actuarial data can assist in evaluating risk, reforming qualified immunity, and fostering a more just and responsible policing system.