7.35.040 Insurance Requirements.
A. For all required insurance, taxi companies and TNCs shall provide certificates of insurance naming the City, its officers, agents, and employees as additional insured parties and give at least 30 calendar days’ notice to the City before a policy is canceled, expires, or has any reduction in coverage.
B. Insurance requirements of this section shall be satisfied by insurance issued by a licensed insurer or an eligible surplus lines insurer in the State of Oregon.
C. The insurance limits for both TNCs and taxi companies are subject to statutory changes as to maximum limits of liability imposed on municipalities of the State of Oregon during the permit’s term, other statutory changes, or other changes deemed necessary by the City.
D. The adequacy of insurance coverage is subject to the review and approval of the City.
E. Every taxi company and TNC shall maintain continuous, uninterrupted coverage for the duration of the license and any operations in the City. Any lapse in insurance coverage, even if it is later backdated by the insurance company, is a violation of this chapter.
F. Both taxi companies and TNCs shall secure and maintain commercial general liability insurance with limits of not less than $1,000,000 per occurrence and $2,000,000 aggregate for claims arising out of, but not limited to, bodily injury and property damage incurred in the course of operating in the City.
G. Taxi companies operating any motor vehicles shall secure and maintain commercial automobile liability insurance covering those vehicles, with a combined single limit of not less than $1,000,000 per occurrence for claims arising out of, but not limited to, bodily injury and property damage incurred in the course of operating in the City.
H. TNC Service Periods Defined.
1. Period 1: The TNC driver has logged into the app or is otherwise connected to the TNC’s digital network, but has not yet accepted a request for a ride from a passenger. For example, the app is open and the driver is waiting for a match.
2. Period 2: A passenger match has been accepted, but the passenger is not yet picked up (for example, the driver is on the way to pick up the passenger).
3. Period 3: The passenger is in the vehicle.
I. Upon City request or as part of an application, TNCs shall provide proof of current, valid insurance for City approval covering all affiliated TNC drivers and vehicles for hire operating for such company and satisfying the minimum requirements of Periods 1, 2, and 3.
J. All TNCs shall maintain and provide the City with proof of the following automobile liability coverages:
1. Primary insurance coverage during Period 1 with minimum liability limits of $50,000 per person for death and injury, $100,000 per incident for death and injury, and $25,000 for property damage, plus any other state compulsory coverage.
2. Primary insurance coverage during Periods 2 and 3 with minimum liability limits of $1,000,000 in combined single limit coverage for death, personal injury and property damage per incident; and $1,000,000 in combined single limit under/uninsured motorist coverage for death, personal injury and property damage per incident.
3. The required automobile liability insurance shall specifically recognize the driver’s provision of TNC and vehicle for hire services and shall comply with the laws of the State of Oregon and/or other applicable governing bodies.
K. TNC drivers shall be responsible for maintaining all personal automobile liability insurance required by State law. [Ord. NS-2287, 2017]