(A) No ambulance service permit shall be issued under this subchapter, nor shall such permit be valid for issuance, nor shall any ambulance be operated in the city unless there is at all times in force and effect insurance coverage as follows:
(1) Automobile liability insurance in an amount not less than $100,000 for injury to, or death of, one person, by reason of the carelessness or negligence of the driver of such ambulance; and $300,000 for injury to, or death of, more than one person, resulting from a single accident, by reason of the carelessness or negligence of the driver of such ambulance; and $50,000 for damage to property resulting from any single accident, by reason of the carelessness or negligence of the driver of such ambulance, issued by an insurance company licensed to do business in the state, for each and every ambulance owned and/or operated by or for the applicant or licensee, providing for the payment of damages:
(a) For injury to or death of individuals in accidents resulting from any cause for which the owner of said vehicle would be liable on account of liability imposed on him by law, regardless of whether the ambulance was being driven by the owner or his agent; and
(b) For the loss of or damages to the property of another under like circumstances.
(2) Uninsured motorist coverage in an amount equal to the bodily injury liability limits as set forth above.
(3) Malpractice insurance to provide for limitation of each claim of not less than $500,000.
(4) A $1 million umbrella policy providing additional coverage to all underlying liability policies.
(B) Said insurance policies shall be submitted to the Medical Director for approval prior to the issuance of each ambulance license. Satisfactory evidence that such insurance is at all times in force and effect shall be furnished to the Medical Director, in such form as he may specify, by all licensees required to provide such insurance under the provisions of this subchapter.
(C) Every insurance policy required hereunder shall contain a provision for a continuing liability thereunder to the full amount thereof, notwithstanding any recovery thereon, that the liability of the insurer shall not be affected by the insolvency or the bankruptcy of the assured, and that until the policy is revoked or expires the insurance company will not be relieved from liability on account of nonpayment of premium, failure to renew license at the end of the year, or any act or omission of the named assured. Such policy of insurance shall be further conditioned for the payment of any judgments up to the limits of said policy recovered against any person other than the owner, his agent or employee, who may operate the same with the consent or acquiescence of the owner.
(D) Every insurance policy required hereunder shall extend for the period to be covered by the license applied for and the insurer shall be obligated to give not less than 30 days' written notice to the Medical Director and to the assured before any cancellation or termination thereof earlier than its expiration date, and the cancellation or other termination of any such policy shall automatically revoke and terminate the permit issued for the ambulances covered by such policy, unless another insurance policy complying with the provisions of this section shall be provided and be in effect at the time of such cancellation or termination.
(E) Each insurance policy described and required herein shall name as additional insureds the city, county, the Three River Ambulance Authority, and the EMS Foundation, in addition to the operator of the vehicle.
(F) Participating volunteer providers shall have reasonable insurance coverage and the policy shall name as additional insureds the city, county, Three Rivers Ambulance Authority, EMS Foundation, in addition to the operator of the vehicle.
('76 Code, § 9-39) (Ord. G-16-82, passed 7-27-82)