1. Non-Owned Aircraft Physical Damage (Hull) & Subrogation Protection
Covers your legal liability for physical damage to a non-owned airplane you rent, borrow, or fly — including both the flight school's $2,500–$10,000 hull deductible AND any subrogation lawsuit brought against you by the aircraft owner's insurance company for the full value of the plane ($5,000 up to $200,000+ in hull limits).
Real-world example: If a hard crosswind landing in a rented Cessna 172 causes a $38,000 prop strike and firewall repair, Non-Owned Hull Damage pays both the school's deductible and protects you if the school's carrier seeks reimbursement.
2. Non-Owned Bodily Injury & Property Damage Liability
Provides your own personal liability limit ($250,000 to $1,000,000+) and dedicated aviation defense attorney if a passenger you are carrying or a third party on the ground is injured while you are acting as pilot-in-command of a rented or borrowed airplane.
Real-world example: If you take family members up for a weekend flight in a rented airplane and an incident results in an injury claim, your Non-Owned Liability policy defends you personally.
3. Certified Flight Instructor (CFI) Professional Liability Endorsement
Independent and staff CFIs can add the Flight Instructor Endorsement so your Non-Owned Liability and Hull Damage limits apply while you are giving dual flight or ground instruction for compensation — and defending you against claims involving past students.
Real-world example: If you freelance as an independent CFI teaching in client-owned or flight-school airplanes, your Non-Owned CFI policy travels with you from cockpit to cockpit.
4. No Aircraft Schedule Required (Covers Any Eligible Single/Multi-Engine Plane)
You don't have to call us every time you rent a different tail number. A standard Non-Owned policy automatically covers any non-owned standard-category single-engine (and optionally multi-engine, experimental, or seaplane) aircraft up to 450 horsepower and 7 seats.
Real-world example: You can rent a Cessna 172 at your home field on Saturday and rent a Piper Archer on vacation in Arizona or Florida next month under the exact same policy.
5. Loss of Use Reimbursement to the Flight School / Owner
Many FBO rental agreements hold the renter pilot financially responsible for 'Loss of Use' revenue while a damaged trainer sits in the maintenance shop waiting on parts. Leading Non-Owned policies include Loss of Use sub-limits as part of your Non-Owned Physical Damage limit.
Real-world example: When a damaged flight-school trainer is grounded for three weeks awaiting a replacement propeller, your policy helps address the school's contractual Loss of Use claim.
6. Medical Expense, Personal Effects & No-Claim Renewal Credits
Includes no-fault passenger Medical Expense payments, coverage for your own headset, iPad/EFB, and flight bag inside the rented aircraft, and automatic premium discounts at renewal when you fly claim-free or add new ratings.
Real-world example: If your $1,200 Bose A30 aviation headset and iPad are damaged in a covered incident inside a rented plane, Personal Effects coverage helps replace your flight bag gear.
