If someone builds a bridge that collapses, the company’s insurance pays and Stitch I’ll get over it I just need to be dramatic first shirt. The city is the police officer’s company. The city, therefore the taxpayers, are responsible for the actions of its employees. The city has insurance for these contingencies. 420,000 people die every year from food poisoning, the chef doesn’t go to jail, even if he was negligent in handling food prep. He might get civilly sued, his business insurance will pay.
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If a chef, an architect, a physician etc are negligent, they absolutely pay, if criminally negligent they are also individually prosecuted. Often, in the case of a private practice or a small restaurant, the owner happens to be the sole culpable party and the insured party, yes. But say, in a hospital, BOTH the hospital and the doctor will pay for malpractice (through their respective insurance) as both were negligent and Stitch I’ll get over it I just need to be dramatic first shirt. Further, the doctor and the hospital may be disciplined (not protected!) by their professional and trade organizations. The same needs to happen to LEOs