Insurance requirements.
Oklahoma City Municipal Code § 6-8
in effect§ 6-8. - Insurance requirements.
(a) Any operations contractor shall keep in full force and effect a policy or policies of public liability and property damage insurance, executed by a financially stable insurance carrier(s) acceptable to EMSA and licensed or permitted to write insurance by the Oklahoma Insurance Commission, with coverage provisions insuring the public from any loss or damage that may arise to any person or property by reason of the operation of EMSA ambulances, and providing that amount of recovery shall be in limits of not less than the following sums:
(1) commercial general liability insurance, including but not limited to commercial owner and contractor protection, operational products, completed operations, property and personal injury, with limits of not less than $1,000,000.00 per occurrence; and $2,000,000.00 aggregate. Coverage shall be on an occurrence basis.
(2) workers compensation coverage to statutory limits as required by law; employer's liability insurance of not less than $1,000,000.00 bodily injury by incident; and $1,000,000.00 bodily injury by disease for each employee.
(3) comprehensive automobile liability covering all vehicles used by the operations contractor, including owned, hired, and non-owned vehicles, with minimum limits of $1,000,000.00 combined single limit for bodily injury (including death), per occurrence, and property damage of not less than $1,000,000.00 per occurrence.
(4) automobile physical damage insurance for comprehensive and collision covering all vehicles provided by EMSA and used under this contract.
(b) Any operations contractor shall keep in full force and effect a general comprehensive liability and professional liability policy or policies issued by a casualty insurance company, licensed or permitted to write insurance by the Oklahoma Insurance Commission with coverage provisions insuring the public from any loss or damage that may arise to any person or property by reason of the actions of the operations contractor or any of its employees, and providing that the amount of recovery shall be in limits of not less than the following sums:
(1) professional medical liability insurance including errors and omissions with minimum limits of $1,000,000.00 per occurrence and $2,000,000.00 annual aggregate.
(2) "umbrella" coverage in the amount of at least $5,000,000.00 shall be provided as additional coverage to all underlying policies.
(c) Any operations contractor shall furnish to EMSA an original and duplicate certificate of insurance which shall indicate the types of insurance, the amount of insurance and the expiration dates of all policies carried by the ambulance service. Each certificate of insurance shall name all jurisdictions in the regulated service area as an additional named insured, and shall contain a statement by the insurer issuing the certificate that the policies of insurance listed thereon will not be canceled or materially altered by the said insurer absent 60 days written notice received by all jurisdictions.
(d) Self insurance programs must meet and comply with all applicable laws and regulations; be reasonable and limited to an amount of potential fiscal liability which would, if realized, not impair the operations contractor's ability to perform under the contract, and, offer coverage to that required in Sections (a) through (c) above.
(e) EMSA and any supplemental service providers who are entitled to the immunities and protections of the Oklahoma Governmental Tort Claims Act, Okla.Stat.tit. 51 § 151 et seq. may insure as deemed appropriate by their governing bodies.
(Code 1980, § 6-107; Ord. No. 19392, § 1, 4-3-90; Ord. No. 20997, § 1, 2-17-98; Ord. No. 27211, § 1, 11-8-22, eff. 12-1-22)
Source: City of Oklahoma City, Municipal Code and City Charter (Municode Library, library.municode.com)URL: https://library.municode.com/ok/oklahoma_city/codes/code_of_ordinances?nodeId=OKMUCO2020_CH6AMCO_ARTIINGE_S6-8INREFetched: 10/28/2026