[ceejayoz]

Go to a busy ER and you'll discover that ambulance crews may have to sit around for 2-3 hours at times until they can fully hand off the patient.

The omission of things like liability insurance is curious, as well.

[MagnumOpus]

From what I hear in the UK, ambo crews don’t wait around, definitely not 2-3 hours.

(And they are all employed by the state [NHS], the state self-insures for liability, just like it self-insures for the ambulance’s car insurance.)