N.J. Admin. Code § 8:40-3.3

Current through Register Vol. 56, No. 23, December 2, 2024

Section 8:40-3.3 - Insurance coverage

(a) Prior to initial provider licensure, an applicant shall be required to arrange for each insurance carrier or agent to submit an official "Certificate of Insurance" form, issued by an insurance carrier, covering all three types of insurance listed in (c) below. Each such form shall show that the required insurance has been purchased and is in force. If the vehicles are insured as "Scheduled Autos," the Vehicle Identification Number (VIN) of each vehicle shall be listed on the "Certificate of Insurance" form. The trade name of the provider shall be listed as an insured. The Department, at its discretion, may require an applicant or provider, as applicable, to have its insurance carrier or agent submit additional official "Certificate of Insurance" forms.

1. The provider shall make the Department of Health and Senior Services a certificate holder of any required insurance policies.

(b) In addition, an applicant or provider, as applicable, shall supply the Department with the following information prior to initial provider licensure, initial licensure of each vehicle and upon provider and vehicle relicensure:

1. The name of the insurance company or companies issuing each policy;

2. The name of the policyholder, which shall include the provider's trade name;

3. All policy numbers;

4. The expiration date of each policy; and

5. The types and limits of coverage for each policy.

(c) Once licensed, a provider shall maintain the required minimum insurance as outlined in (c)1 through 3 and (d) below, plus such additional insurance as the provider may deem necessary in order to be eligible to provide services under this chapter. The provider shall immediately discontinue any and all MAV and/or BLS ambulance services in the event any portion of the required insurance is cancelled, expires or otherwise becomes null or void.

1. At least $500,000 per occurrence of combined bodily injury/property damage coverage for each vehicle;

2. At least $300,000 of single limit coverage of "premises and operations" type general liability insurance; and

3. At least $300,000 per occurrence coverage of "malpractice" type professional liability insurance, if operating a BLS ambulance service.

(d) The general liability and malpractice and professional liability insurance required in (c)2 and 3 above, may be combined in a single policy of at least $500,000 per occurrence.

(e) Consistent with 39:3-29, the driver shall be in possession of the vehicle insurance card (or it shall be kept in the vehicle at all times so as to be accessible to the crewmembers). Vehicle insurance cards shall be made available to Department staff upon demand. In addition, copies of all insurance policies shall be kept at the provider's principal place of business and made available to Department staff upon demand.

N.J. Admin. Code § 8:40-3.3