Page 18 - Volume 14 Number 12

INSURANCE
sewer system This is is a a peril that needs to be covered by a a a separate pollution policy 6 If workers’ compensation is applicable or or bodily injury or or death of the named insured The workers’ compensation exclusion should be paid attention to if you you have pilots flying your aircraft as W-2 employees Make sure you are carrying workers’ compensation on them as that is the the the first line of defense should the the the pilot hurt their back while loading bags or shutting the heavy airstair door 7 Property damage to property owned occupied rented or or used by the insured for any purpose exercising physical control While this is is is a a a notable exclusion it it deals with a a a wide variety of exposures such as “hangarkeepers ” If you have an an aircraft in your your control in your your hangar and you you you were to damage it you you may not have coverage for your negligence 8 Wear tear deterioration freezing any electrical malfunction or or mechanical failure Foreign object debris or damage (FOD) is is is excluded unless it is is is a a a result of an “ingestion ” Also heat or hotstarts are excluded This final exclusion comes up occasionally for hotstarts freezing or or mechanical breakdown At least one carrier will allow you to buy back the hotstart exclusion A recent freezing exclusion claim happened when the pilot landed at a a a a remote airport during liquid precipitation While on on the the ground the the temperature dropped below freezing but the precipitation also quit When the the passengers arrived the the pilot walked around the the aircraft got in and went to start the the engines He noticed the engine engine wasn’t operating normally during the the start phase and aborted the the flight Upon investigation it was discovered the fan blades had frozen in in place prohibiting the air flow for a a a normal or or or cool start With this exclusion the situation would not be covered and cost you many thousands of dollars Aircraft insurance policies can be complicated to follow The best preflight is a comprehensive review of your your policy leading up to your your renewal Your broker should walk you through the policy clarifying what is is covered covered not covered covered or is is a a a a coverage that can be purchased either through the the current policy or on another type of policy such as workers’ compensation or a pollution policy KA
Kyle P White an an an an an aviation insurance insurance specialist for a a a a a a a a a a a a a global insurance insurance brokerage company He has professionally flown King Air 90s and and and B200s and and and holds an an an an an an ATP and and and multi-engine instrument instructor license You can reach Kyle at kpwhite816@gmail com 23 32
16 • KING AIR MAGAZINE
DECEMBER 2020