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Most of those, it’s the department’s insurance (and most places have that,)
Malpractice insurance is a thing for doctors- they have to have it. It’s an individual obligation; frequently hospitals will cover it for them (and offer plans,) but those plans are managed by a third party- the kind of third party who hates paying out.
What this really means is that doctors who have a history of skirting best practices and getting dinged are more expensive to cover; where doctors that are more competent/less likely to fuck up… get reduced premiums.
Guess what kind of doctor gets to told “yeah sorry, we’re not hiring you”?
Translate that to cops… officers get dropped or dinged for relatively minor excessive force incidents- usually before they get to the point of barging in and killing some one.