Page 11 - Volume 10 Number 7

KING AIR
WINDOW INSERTS
STC’D-PMA/FAA APPROVED
What Is the Difference
Between the G & D Aero Tinted Window Insert and the Polaroid Interior Window Insert?
The $$$$$ Cost
With the G & D Aero tinted window you have full time protection against the sun and the ability to keep your passengers cool and comfortable. No need to make any adjustments to the windows because the inserts work full time.
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differentiate the aviation-focused attorney from the generalist, in the event property damage or negligence occurs, because of the coverage required and how it is described.
Generally, King Air policies contain liability coverage for airport premises liability. There is language within the policy that may be limiting or more inclusive for this coverage though. Such as, does the policy extend to premises you rent, occupy, use, and own? Or does it exclude property you actually own? It is important to review the wording buried in the policy to address your specific situation.
A few months ago, a reader of this magazine contacted my office for some advice and guidance. I reviewed their two policies, one for the King Air and the other for the hangar they owned. Then we had a conversation about their operation and ownership structure. One of the items we discovered was double coverage for premises liability. There was $1,000,000 of coverage under the property policy and $10,000,000 under the King Air policy. Which limit would you rather have protecting you? When I explained to the King Air owner that he was actually paying more money to be in the undesirable situation of having two policies point at each other and say the other one is primary in the event of a simple “slip and fall” claim in front of his hangar, he was more than a little shocked. Understandably, he thought he was buying the insurance correctly. Who pays more for something when you do not actually need it? To alleviate this problem, we simply deleted the premises liability coverage from the property policy, saving the client roughly 300 gallons worth of Jet-A dollars.
One of my favorite double coverage finds pertains to non-owned aircraft. Some people are fortunate enough to own two airplanes. Some of which may have two separate policies. This could be disastrous in the event you have a claim involving a non-owned aircraft. The reason is because most likely you have the following language in both of your aircraft policies: “This coverage shall be excess insurance over any other valid and collectible insurance available to you.”
Once again, you have two policies pointing at each other. How do we determine which policy is primary? Most likely, if you own both a King Air and a Bonanza, you would want the King Air policy to be
JULY 2016
KING AIR MAGAZINE • 9