Charitable non-profit transportation insurance requirements.
Kansas City Code § 76-48
in effectSec. 76-48. - Charitable non-profit transportation insurance requirements.
(a) It shall be unlawful for a charitable non-profit transportation organization, as defined in this chapter, to transport persons unless the organization has procured and maintains a commercial general liability insurance policy in the amount of not less than $1,000,000.00 per occurrence, a commercial automobile liability insurance policy in the amount of not less than $1,000,000.00 covering owned, hired, and non-owned vehicle on an "each accident" basis and a physical and sexual abuse policy for $1,000,000.00 in addition to all other requirements set forth in this Code.
(b) Insurance shall be carried by an insurance company which has been duly licensed or approved to write insurance in the state and shall be kept and maintained continually in force and effect so long as the applicant shall be licensed to operate taxicabs on the streets of the city. The liability insurance required to be maintained under the provisions of this section shall be a policy under which the insurance company obligates itself to handle claims under the coverage thereof and to identify the charitable non-profit transportation organization and the driver or operator of the vehicle, and pay to the claimant all amounts which the insured becomes legally obligated to pay under the policy, in excess of any applicable deductible which shall not exceed $500.00. A certificate of insurance reflecting all endorsements shall be filed with the director, who shall have the authority to require a true copy of the insurance policy at his discretion.
(1) The liability insurance policy shall contain a provision for continuing liability thereunder to the full amount thereto notwithstanding any recovery thereon.
(2) The liability insurance policy shall contain a separate endorsement requiring the insurance company to notify the director in writing of any change in coverage, or cancellation of the policy, at least ten days prior thereto.
(3) Proof of automobile liability insurance in conformance with state law for each charitable non-profit transportation vehicle and a valid certificate of insurance issued by a company providing the insurance coverage required by this section shall be available for inspection at the charitable non-profit transportation organization's principal place of business. The certificate shall include all of the following:
a. The full name of the insurer;
b. The name and address of the insured;
c. The insurance policy number;
d. The type and limits of coverage;
e. The effective dates of the insurance policy; and
f. The certificate issue date.
(c) Unlawful claims handling practices. It shall be unlawful for a charitable non-profit transportation organization under this article, or anyone acting on its behalf, to fail to act at all times in good faith in dealing with claimants or to commit or perform any of the following in handling of claims:
(1) Fail to present to claimants, and those alleging injury or loss at the scene of an accident, proof of insurance at the earliest possible opportunity;
(2) Misrepresent or fail to or refuse to disclose the public liability protection provided by the charitable non-profit transportation organization pursuant to the requirements of this section;
(3) Fail to promptly acknowledge all written and oral communications with respect to claims; and
(4) Fail to adopt and implement standards for the prompt investigation of claims.
(d) Claim records. The charitable non-profit transportation organization shall maintain records of all claims for bodily injury or property damage, which shall include:
(1) The name and address of the claimant;
(2) The date the organization was notified of the claim;
(3) The date of the incident giving rise to the claim;
(4) The location of the incident;
(5) The current status of the claim.
Such records shall be made available for inspection by the director or his representative during regular business hours in the office of the charitable non-profit transportation organization for a period of one year after final disposition of each claim.
(Ord. No. 170460, § 1, 7-13-17)
Source: City of Kansas City, Missouri, Code of Ordinances, Charter and Zoning and Development Code (Municode Library, library.municode.com)URL: https://library.municode.com/mo/kansas_city/codes/code_of_ordinances?nodeId=COORKAMIVOII_CH76VEHI_ARTIIVEHICO_DIV1GE_S76-48CHNOFTRINREFetched: 10/28/2026