Page 14 - Nov 2015 Volume 9, Number 11

Our motto is:
“Excellence at a fair price”
• Inspections • Alterations • • Major & Minor Repairs • R&Rs
Home of King Air Guru Dean Benedict aka “Dr. Dean” Maintaining King Airs since 1975
HONEST AIR
BEECHCRAFT MAINTENANCE SPECIALISTS
Located in Southern Nevada on KBVU Boulder City Municipal Airport
702-798-1800
Mail: P.O. Box 90759; Henderson, NV 89009-0759 Delivery: 1421-C Airport Road; Boulder City, NV 89005 www.honest-air.com
KING AIR SPECIALISTS
your policy involving Temporary Use of Substitute Aircraft or Use of Another Aircraft, your policy will be excess over any other coverage protecting you.
This means you shouldn’t have agreed to have your policy be primary when using somebody else’s King Air unless you have approval from your insurance company. This isn’t the end of the policy though, keep reading.
Page 30 of 32 says:
What is Not Covered: In addition to what is Not Covered in your policy, we will not cover Temporary Use of Substitute Aircraft, Use of Another Aircraft or Newly Acquired Aircraft:
a. UnlesstherequirementsoftheCoverage Identification Page regarding Pilots and Use are met;
b. Unless it is licensed under a standard airworthiness certificate issued by the FAA;
c. If it is a multi-engine aircraft in Item 5 on the Coverage Identification Page is a multi-engine aircraft;
d. Ifitisaturbine-poweredaircraftunless an aircraft in Item 5 on the Coverage Identification Page is a turbine- powered aircraft;
e. Ifitisarotorcraftunlessanaircraftin Item 5 on the Coverage Identification Page is a rotorcraft;
f. If it is a seaplane or amphibian unless an aircraft in Item 5 on the Coverage Identification Page is a seaplane or amphibian.
As you can see, insurance policies are complex contracts and need to be read and understood. Not all insurance policies are worded the same. Review your policy to ensure you have the coverage you think you do. If you are using a non-owned aircraft, letting someone else use your King Air, or if you are a business with employees, you should first manage your risk. You can do this with a contract between the lessor and lessee of the aircraft to be used. Then have the insurance companies acknowledge and accept the contract via an endorsement and certificate of insurance. For the unknowns, have a corporate travel policy in your employee handbook so employees know what they can and can’t travel on for company business. KA
12 • KING AIR MAGAZINE
NOVEMBER 2015
About the Author: Kyle P. White is the president of Aviation Solutions, LLC, an insurance brokerage and risk management company, and a former professional King Air pilot. He can be reached at e-mail kylewhite@ aviationsolutions.aero.