LRingeisen
Well Known Member
While your insurance policy covers you for a number of things, that doesn’t mean everything is covered. There are various situations that are not covered. If you are unsure or have any questions on whether or not something is covered, it’s better to ask your broker prior to making the flight. The last thing you want is to have an accident and find out later that you didn’t have any coverage at the time.
Of course, you must always follow the FAA guidelines. If you are doing something against the FAA, you can be sure that you won’t have coverage. Something we get questions on a lot involves making a profit. Since these are not commercial policies, anything that makes a profit is usually prohibited. This can include anything from formation flying to aerial photography. Even if you are only making $100, this could result in a denied claim and fines from the FAA depending on if it falls under the experimental use guidelines.
Below is a list of other common exclusions on a Pleasure and Business policy. Keep in mind that this is not all inclusive.
• aerial advertising, towing, photography, or application of any substance;
• hunting, herding or spotting of animals of any kind, including birds and fish;
• patrol or surveillance of any kind, including powerlines, pipelines, traffic or fires;
• flight instruction to anyone other than the pilots listed by name in the policy;
• skydiving or parachuting;
• closed course racing;
• flights off-shore in support of an off-shore business or operation;
• external transportation of persons or property, including wire stringing, or construction
Just remember if you are questioning the use please check with your broker prior to doing it.
Of course, you must always follow the FAA guidelines. If you are doing something against the FAA, you can be sure that you won’t have coverage. Something we get questions on a lot involves making a profit. Since these are not commercial policies, anything that makes a profit is usually prohibited. This can include anything from formation flying to aerial photography. Even if you are only making $100, this could result in a denied claim and fines from the FAA depending on if it falls under the experimental use guidelines.
Below is a list of other common exclusions on a Pleasure and Business policy. Keep in mind that this is not all inclusive.
• aerial advertising, towing, photography, or application of any substance;
• hunting, herding or spotting of animals of any kind, including birds and fish;
• patrol or surveillance of any kind, including powerlines, pipelines, traffic or fires;
• flight instruction to anyone other than the pilots listed by name in the policy;
• skydiving or parachuting;
• closed course racing;
• flights off-shore in support of an off-shore business or operation;
• external transportation of persons or property, including wire stringing, or construction
Just remember if you are questioning the use please check with your broker prior to doing it.