What type of liability insurance is required for ambulances and at what limits?
The liability insurance requirement for EMS providers is the minimum required by the Transportation Code (601.081 – 083) regarding standard proof of vehicle liability insurance. The current minimum coverage amounts are: $20,000 for bodily injury to, or death of one person in one accident; $40,000 for bodily injury to or death of two or more persons in one accident, subject to the amount provided by Subdivision (1) for bodily injury to, or death of one of the persons; and $15,000 for damage to, or destruction of property of others in one accident. We also ask that the service provide us a copy of the certificate showing DSHS as the certificate holder (so we’ll be informed if it expires or is cancelled). In the last legislative session, Senate Bill 502 was passed, increasing the minimums to $25,000 / $50,000 / $25,000 in April of 2008 and to $30,000 / $60,000 / $25,000 in January of 2011.
