SEC. 15D-9.26. INSURANCE.
(a) A licensee shall procure and keep in full force and effect automobile liability insurance, malpractice insurance, and commercial general liability insurance written by an insurance company approved by the State of Texas and acceptable to the city and issued in the standard form approved by the Texas Department of Insurance. All provisions of the policies must be acceptable to the city. The insured provisions of each policy must name the city and its officers and employees as additional insureds, and the coverage provisions must provide coverage for any loss or damage that may arise to any person or property by reason of the operation of a private ambulance service by the licensee.
(b) The automobile liability insurance must provide combined single limits of liability for bodily injury and property damage of not less than $300,000 for each occurrence, or the equivalent, for each ambulance used by the licensee, with a maximum deductible not to exceed the amount allowed by the Texas Safety Responsibility Act (6701h, Vernon’s Texas Civil Statutes), as amended. The insurance must include uninsured and underinsured motorist coverage in amounts of not less than $20,000 per person and $40,000 per accident for bodily injury and $15,000 per accident for property damage, or the equivalent. Aggregate limits of liability are prohibited.
(c) The malpractice insurance must provide limits of liability of not less than $300,000 for each claim, or the equivalent.
(d) The commercial general liability insurance must be broad form and provide limits of liability for bodily injury and property damage of not less than $300,000 combined single limit, or the equivalent.
(e) If a vehicle is removed from service, the licensee shall maintain the insurance coverage required by this section for the vehicle until the director receives satisfactory proof that all evidence of operation as an ambulance has been removed from the vehicle.
(f) Insurance required under this section must include:
(1) a cancellation provision in which the insurance company is required to notify the director in writing not fewer than 10 days before canceling, failing to renew, or making a material change to the insurance policy; and
(2) a provision to cover all vehicles, whether owned or not owned by the licensee, operated under the private ambulance service license.
(g) A license will not be granted or renewed unless the applicant or licensee furnishes the director with such proof of insurance as the director considers necessary to determine whether the applicant or licensee is adequately insured under this section.
(h) If the insurance of a licensee lapses or is canceled and new insurance is not obtained, the director shall suspend the license until the licensee provides evidence that insurance coverage required by this section has been obtained. A person shall not operate a private ambulance service while a license is suspended under this section whether or not the action is appealed. A $47 fee must be paid before a license suspended under this section will be reinstated. (Ord. 21861; 33232)
