Empire Fire & Marine Ins. Co. v. Bell

Opinion

DOSSEE, J.

This dispute between an insurance carrier and its policyholder, Bell’s Ambulance Service, requires us to consider the impact of a Sonoma County ordinance requiring ambulance services to maintain liability insurance and requiring advance notice to the county of any modification of the policy.

Facts

Defendant Bell’s Ambulance Service was the named insured of an insurance policy labeled a “business automobile” policy, effective from June 25, 1992, to June 25,1993, issued by plaintiff Empire Fire and Marine Insurance Company (Empire). When the policy was issued, Wayne F. Bell, the…