Insurance and bond requirements.

Saint Paul Legislative Code § 376.06

in effect

Sec. 376.06. - Insurance and bond requirements. (a) No such license may be issued for the operation of any taxicab on any public street or highway in said city until the applicant obtains a policy of liability insurance in an insurance company authorized to do business under the laws of the state, or a personal bond with at least two (2) sureties, or a surety company bond. The liability or indemnity insurance or bond for each taxicab must be in the sum of at least one hundred thousand dollars ($100,000.00) because of bodily injury to or death of one (1) person in any one (1) accident, and subject to said limit for one (1) person, to a limit of not less than three hundred thousand dollars ($300,000.00) because of bodily injury to or death of two (2) or more persons in any one (1) accident, and in the sum of at least one hundred thousand dollars ($100,000.00) against loss for damage to the property of any person or persons in any one (1) accident, resulting from the negligent operation, use or defective condition of any taxicab; such policy or bond to be in such form as to provide for the payment of any judgment obtained against the insured therein to the extent of the liability therein provided by any person injured by reason of any act of the owner, driver, chauffeur, manager or other persons in the operation of such taxicab, and for the payment of any judgment obtained against the insured therein by the injured person or the representative of any person killed by such act. Such policy or bond must have a condition that it cannot be canceled after a loss has occurred under the policy which will affect the company's responsibility therefore under this chapter; and in case of any cancellation, the license will be automatically inoperative and void, unless another policy or bond is issued without any gap in coverage. (b) The department of safety and inspections may require the licensee to replace said policy or bond if the department of safety and inspections deems said policy or bond unsatisfactory or insufficient for any reason; and the default or refusal of the licensee to comply with any such order of the department of safety and inspections is grounds for the revocation of the license of said licensee. Said policy or bond must be filed with the department of safety and inspections. (c) Every such policy of insurance, or surety bond, must contain a provision for a continuing liability to the full amount of the policy, notwithstanding any recovery under the policy. (d) Any policy or bond herein required must contain a clause that the liability of the insurer or surety will not be affected by the insolvency or bankruptcy of the assured; a clause that any surety bond will run to the city for the benefit of any and all judgment creditors; a clause obligating the insurer or surety to give written notice to the department of safety and inspections and to the insured or assured prior to any cancellation thereof earlier than its expiration date; a clause requiring the insurance company to notify the certificate holder immediately in writing that a vehicle is being deleted from the policy. (e) No such bond or policy may include or contain any limitation, condition, or clause exempting or defeating covering in any way when insured vehicles are driven, used, operated or maintained while the driver or occupants thereof are intoxicated; and no such bond or policy may contain any limitation, clause or provision whatever excepting and releasing any surety or insurer on any such bond or policy from liability thereunder by reason of any such automobile being driven, used or operated while the driver or occupants thereof are intoxicated. Provided that nothing herein contained will be construed to affect the defense of contributory negligence by the surety on any such bond or policy. (f) The policy or bond hereinbefore provided for may be originally written or later extended to cover, during its term, any additional taxicab under the same ownership or control. (g) Any license issued under this chapter will terminate whenever during the term of said license the owner, lessee, licensee or operator of said taxicab fails to keep in full force and effect insurance or bond in the full amount required by City Code. Failure to maintain insurance required by this chapter will automatically cancel the associated taxicab license without additional notice. The licensee must remain the owner of the public vehicle during the term of the license, and any change in ownership will cancel the taxicab license without additional notice. (Code 1956, § 152.06(a); Ord. No. 17458, § 1, 5-28-87; C.F. No. 97-870, § 1, 8-13-97; C.F. No. 06-460, § 1, 6-14-06; Ord. No. 11-10, § 1, 2-23-11; Ord 12-72, § 1, 1-23-13)

Source: City of Saint Paul, Minnesota, City Charter, Legislative Code and Administrative Code (Municode Library, library.municode.com)URL: https://library.municode.com/mn/st._paul/codes/code_of_ordinances?nodeId=PTIILECO_TITXXIXLI_CH376TA_S376.06INBOREFetched: 11/1/2026