Insurance

(A) No original or renewal license shall be issued, except in the case of services owned or operated by an agency or political subdivision of the Commonwealth, to an applicant for an original or renewal license, which operates its EMS vehicles in direct connection with a place of business in Massachusetts, unless the applicant has satisfied the insurance requirements necessary to register each of its Class I, II, and V ambulances and its applicable EFR vehicles as a motor vehicle with the Massachusetts Registrar of Motor Vehicles, pursuant to M.G.L. c. 90, § 3 and § 34A through 34O, and in addition, has satisfied the minimum limits set out in 105 CMR 170.315(B). (B) Each service shall carry the following insurance coverage for each of its EMS vehicles: (1) A minimum of $100,000 on account of injury to or death of any one person; (2) Subject to the limit as respects injury to or death of one person, a minimum of $500,000 on account of any one accident resulting in injury to or death of more than one person; and (3) A minimum of $25,000 because of injury to or destruction of property of others in any one accident. (C) Each service shall file with the Department proof of contracts of insurance. The proof of contracts of insurance shall disclose that at least the minimum levels of insurance coverage set out in 105 CMR 170.315(B) are carried by the service for each of its EMS vehicles.