1. Instruction & Rental Hull & Liability (Dual & Solo Student Operations)
Covers your training fleet for primary, instrument, commercial, and multi-engine dual instruction with a CFI on board, as well as supervised solo student flights and solo aircraft rental to checked-out renter pilots.
Real-world example: If a solo student pilot porpoises a landing in a Cessna 172 and causes a prop strike and firewall wrinkle, Instruction & Rental Hull pays for the engine teardown and airframe repair.
2. Leaseback Aircraft Owner Protection (Additional Insured & Breach of Warranty)
Many flight schools expand their fleet by placing privately owned aircraft on leaseback agreements. We properly endorse the aircraft owner (and their bank lienholder) onto the flight school's fleet policy as an Additional Insured and Loss Payee so both the owner and the school are protected.
Real-world example: When a local pilot puts their Piper Archer on leaseback with your flight school, we issue the owner and lender certificates the same day the leaseback is signed.
3. Certified Flight Instructor (CFI) Professional & Premises/Classroom Liability
Covers the flight school and its roster of staff or independent-contractor CFIs against allegations of negligent flight or ground instruction, alongside Airport Premises Liability for your dispatch desk, simulator room, classroom, and tie-down ramp.
Real-world example: If an incident involving a former student or renter pilot leads to a lawsuit alleging inadequate checkout procedures by your school, CFI & Flight School Liability funds your legal defense.
4. Equity & Non-Equity Flying Clubs
Whether you run a 5-member LLC co-ownership on a single Beechcraft Bonanza or a 60-member non-profit flying club operating four aircraft, we structure club policies that protect the club entity and give each member individual liability protection (Cross-Liability / Severability of Interests).
Real-world example: If one club member accidentally damages a hangar or has an incident with another member on board, Cross-Liability ensures each member is defended separately under the club policy.
5. Commercial Part 91 & Part 135 Operations (Charter, Survey, Patrol & Photo)
Beyond flight instruction, we place commercial aviation policies for on-demand Part 135 passenger/cargo charter, aerial photography and LiDAR mapping, pipeline/powerline patrol, wildlife survey, sightseeing, and commercial bush/float operations (including Alaska and backcountry Idaho/Washington).
Real-world example: When your aerial survey company wins a state forestry or utility mapping contract requiring $2M Smooth Liability and Contractual Additional Insured wording, we issue the exact endorsement required.
6. Student/Renter Deductible Structure, Loss of Use & Spare Parts
Flight school policies can be structured with manageable in-motion deductibles (often paired with renter pilot agreements) and optional Loss of Use / Spare Aircraft endorsements to help offset lost revenue when a high-utilization trainer is down for a covered repair.
Real-world example: Pairing clear written renter agreements with your school's hull deductible keeps your fleet loss ratio healthy and your annual renewal competitive.
