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What do cops care about a defense lawyer's "easy payday?"

They care when the chief has to explain to the city council why they need an extra $2 million in the budget this year. Shit rolls downhill.

That money isn't paid out of the budget, they have insurance for it.

Insurers are not charities. They price based on a risk model.

A police department with frequent liability payouts can expect their premiums to be priced according to the risk they represent (assuming they are even able to find an insurer still willing to underwrite them).

Do those risk adjustments actually occur in real life? Is it even specifically "police insurance," or is it under the umbrella of the insurance for the jurisdiction (city, county, etc.) where those risk adjustments can get buried within larger coverage patterns?

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