https://news.yahoo.com/hidden-hand-uses-money-reform-101503866.html
"We could not have a city without insurance," said Lois Preece, then and now Niota's mayor. "Anyone slipping on the street could wipe our budget out."
By the summer of 2013, Niota's insurer, a Tennessee risk pool, was fed up. Preece said the insurer gave her a choice: remove the officers or lose coverage. And just like that, although criminal and civil cases against them were dismissed, two-thirds of Niota's police force had to be replaced.