A flying club needs an insurance review that describes both the organization and its members’ use of aircraft. Identify who owns the aircraft, who may fly and whether instruction or rentals are part of the arrangement.
Describe the club structure
Provide the club’s legal name, ownership arrangements and membership details. Explain whether members hold equity and how aircraft access works. Include leased aircraft and other parties with a financial interest.
Supply the bylaws, member agreement and relevant leases for review. Ask which obligations the proposed insurance addresses.
Separate club and member protection
Ask how the policy defines insured members, officers and other people. Review aircraft liability separately from questions about club management or governance. Different responsibilities may require different insurance discussions.
Members should review their own possible obligations for deductibles, damage or loss of use. Our non-owned aircraft insurance information provides related questions to ask.
Review the fleet values
List each aircraft, equipment and requested hull value. Check how deductibles and settlement terms apply. Record how the club allocates costs to a member after an incident, then compare that rule with the insurance.
Confirm pilots and instruction
Provide member experience, recent flying and checkout procedures. Describe students, instructors, guests and other users accurately. Ask how new members are accepted and what must happen before they fly.
If the club offers instruction, make sure that activity is disclosed. Resolve the insurer’s requirements for instructors, students and solo operations before lessons begin.
Plan for changes and claims
Identify who updates the insurance contact when membership, aircraft or use changes. Keep maintenance records and claims reporting instructions accessible. After a loss, follow the applicable policy duties and preserve the facts.
Compare offers consistently
- Use the same fleet values, membership and activities.
- Compare liability limits and passenger sublimits.
- Review hull deductibles and accepted uses.
- Record pilot and checkout conditions.
- Confirm the policy dates and named parties.
Ask BWI about flying club insurance and bring the club’s current operating documents to the review.
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