Originally Posted by ARV8or
what's called an "Open Pilot Clause" (or warranty) that covers a pilot not specifically named on the policy if that pilot meets the minimum experience requirements named in the policy and has the owner's (insured) permission to fly his aircraft
NO one in their right mind should ever fly under an open pilot clause, unless they are ?judgement proof? (no assets). Your broker mis-spoke: the open pilot clause covers YOU should a qualified pilot be flying the airplane. They will pay you for damage to the airplane, they will defend you in a lawsuit. They make no promises to the pilot. In fact, they reserve the right to sue him to get their money back, and usually you are required to help them!