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party to detail your King Air, including stripping and sealing the boots, think about how they are going to access the horizontal stabilizer to give those de-ice boots a mirror-like reflection. Odds are, they are going to be getting on a scissor lift and weaving in and out around other aircraft to get to your tail. Whether this is an employee of yours or a young person working nights and cleaning aircraft in the evenings, you have exposure. They could damage your airplane, other
aircraft or hurt themselves or a passerby.
Ask for a certificate of insurance from the contractor naming you as an “Additional Insured” with a “Waiver of Subrogation.” Make sure the certificate of insurance they issue you has coverage for “hangar keepers,” “products and completed operations” and the exclusion for “your work/your product” has been removed. To really get in the details, look over your hangar lease
and extract that language in an agreement between you and your vendors who are providing your on-site aviation services. The last thing you want is to be liable, per the hangar lease you signed, for not only your actions, but for the negligence of your contractors.
Remember, the legal process to bring your situation to a close could take years, a significant amount of your time, and cost you and your insurance company millions of dollars. Proactively prepare for a claim through an amendment to your ERP, contract/insurance certificate review, and other risk management strategies. Managing your risk is the best way to secure the lowest premiums in this hardening market. KA
Kyle P. White is an aviation insurance specialist for a global insurance brokerage company. He has professionally flown King Air 90s and B200s and holds an ATP and multi- engine instrument instructor license. You can reach Kyle at kpwhite816@gmail.com.
OCTOBER 2019
KING AIR MAGAZINE • 21