Premises Liability:
This coverage provides you with a paid legal defense should you be sued for bodily injury, or property damage arising out of the operations of your airport facility described in your policy. Should a judgment be granted against you, the insurance carrier will pay on your behalf all sums which you are libel for up to the policy limits for this coverage. This part of the policy does not provide protection from suits filed arising out of your products, or services, or for loss of property left in your care.
Premises Medical Coverage:
This coverage is designed to pay for minor injuries (bodily injury) which happens at your airport facility. This helps avoid litigation for minor claims. Medical Coverage limits normally range form $1,000 to $5,000 each person.
Products and Completed Operations:
This part of the policy provides liability protection for bodily injury & property damage arising out your sale of aviation products, or aviation services your organization offers. This coverage only comes into play if an accident occurs after the time of delivery of the product or service and the loss occurred during the policy period. It does not provide coverage while the aircraft is in your care, custody, or control. This does not provide coverage for, or is a guaranty of, your workmanship (i.e. It does not provide coverage for fixing poor repairs which have been done to an aircraft and no accident has not occurred).
Hangarkeepers Liability (Ground - Excludes Flight):
This part provides liability coverage for damage to an aircraft which is not owned by, or leased to you, while the aircraft is in your care, custody and control (i.e.. while your servicing the aircraft for maintenance, fueling it, or storing it). It pays for damages only if you are legally responsible for them. This coverage is not to be confused with hull insurance, it is liability coverage for physical damage to property.
Optional Coverages
Off-Premises Liability:
This is an extension of your Premises Coverage to include other locations which are incidental, or necessary to your operation. Also known as "Incidental Locations Coverage".
On Premises Auto Liability:
This is an extension of your Premises Coverage covering your use of street licensed vehicles which are driven on the airport premises.
In-Flight Hangarkeepers Liability:
This endorsement extends your Hangarkeepers Liability to include coverage for damage to non-owned, or non-leased aircraft while being flown by one of your pilots. This coverage is not to be confused with hull insurance, it is liability coverage and only pays if the damage is due to your negligence. (Note: A similar coverage can be added to the Aircraft Policy as Non-Owned Aircraft Damage Liability.)
Personal Injury Liability:
This coverage provides a paid legal defense should you be sued for damages for injury arising out of false arrest, detention or imprisonment, malicious prosecution, libel or slander, wrongful entry, or other invasion (to persons other than an employee, or an insured person). Should a judgment be granted against you, the insurance carrier will pay on your behalf all sums which you are libel for up to the policy limits for this coverage.
Fire Legal Liability:
This is liability coverage for damage to the buildings you rent or lease (on your insured airport premises) which is caused by fire. It pays for damages only if you are legally responsible for them.
Contractual Liability:
This coverage pays on your behalf, should you become legally obligated to pay, by reason of liability assumed by you under a written contract. Other then incidental contracts, a copy of these contracts must be provided to the insurance carrier.
Independent Contractors Liability:
This coverage provides protection for Bodily Injury & Property Damage arising out the work performed by an Independent Contractor on which is done on your behalf.
Professional Liability - Negligent Instruction:
This coverage provides protection for bodily injury arising out of an error, or an omission committed in the course of giving flight instruction and which may, at a later date, result in an accident during the policy period.
Advertising Liability:
This coverage provides you with a paid legal defense should you be sued for damages for injury arising out of libel, slander, defamation, violation of privacy, piracy, unfair competition or infringement of copyright, title or slogan. Should a judgment be granted against you, the insurance carrier will pay on your behalf all sums which you are libel for up to the policy limits for this coverage.