(a) The ambulance license required under this chapter shall not be issued nor shall such license be valid after issuance, nor shall any ambulance be operated in the City, unless there is at all times in force and effect insurance coverage, issued by an insurance company licensed to do business in this State, for each and every ambulance owned and/or operated by or for the applicant or licensee, such coverage providing:
(1) For injury to or death of individuals in accidents resulting from any cause for which the owner of such ambulance would be liable on account of liability imposed on him or her by law regardless of whether the ambulance was being driven by the owner or his or her agent; and
(2) Against damage to the property of another, including personal property, under like circumstances, in such sums and under such terms as may be required by statute.
(b) 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 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.
(c) Every insurance policy required hereunder shall extend for the period to be covered by the license applied for and the insurer shall be obliged to give not less than ten days’ written notice to the Department of Public Safety and to the assured before any cancellation or termination of the policy earlier than its expiration date, and the cancellation or other termination of any such policy shall automatically revoke and terminate the licenses issued for the ambulances covered by such policy, unless another insurance policy complying with the provisions of this section is proved and in effect at the time of such cancellation or termination.
(Ord. O75-87, passed 6-3-1975)
(d) Pursuant to the provisions of this chapter, private ambulances operating within the City shall be insured against liability claims in an amount not less than one million dollars ($1,000,000) combined single limit bodily injury and property damage.
(Ord. O86-108, passed 10-7-1986)