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16.40.830 Horse-Drawn Carriage Insurance Requirements.

City Code Section

A.  Coverage and Limits: All Horse-Drawn Carriage Company permit holders must obtain, comply with, and maintain the minimum levels of insurance coverage outlined below during the entire term that the permit is valid:

1.  Commercial Business Insurance. Company permit holders must secure and maintain a commercial general liability policy reflecting limits of no less than $1,000,000 per occurrence and $2,000,000 aggregate for covered claims arising out of, but not limited to, bodily injury and property damage, in the course of the permit holder’s work under a PFHT permit.

2.  Worker’s Compensation and Employers’ Liability Insurance. The company permit holder must secure and maintain a workers’ compensation and employers’ liability policy where required by state law.

B.  Permit Holder’s Insurance Obligations. All Horse-Drawn Carriage Company permit holders must comply with the following obligations with respect to insurance reporting, updating, and filing:

1.  The permit holder must maintain continuous, uninterrupted coverage for the duration of the permit. Any lapse in insurance coverage, even if it is later backdated by the insurance company, is subject to a civil penalty.

2.  The permit holder must file a certificate of liability with the Director that evidences insurance coverage and terms that are in compliance with the requirements of this section. The certificate of liability must be on a standard ACORD form or its equivalent.

3.  The permit holder must file with the Director a copy of the insurance company-issued additional insured endorsements naming the City and its officers, agents, and employees as additional insureds.

C.  Alternative to Insurance Requirements. Alternatives to insurance, such as self- insurance, may occur only if the level of coverage and the terms, conditions, and obligations meet the same or higher requirements as found in Section 16.40.830, and only if the public safety and well-being is not endangered thereby. The adequacy of proposed alternative insurance coverage is subject to approval by the City Attorney’s Office before such alternative insurance may become effective.