Define the company travel arrangement
Identify who approves the trip, rents the aircraft and pilots it. Describe the company’s role and the business purpose. Keep travel rules, authorized pilots and any limits on aircraft or use clear to employees.
Review each party’s protection
The aircraft owner, employee pilot and employer may need different insurance questions answered. Paying a rental charge does not itself make the company insured. One employee’s certificate or approval should not be treated as covering every pilot.
Read the rental terms
Send the agreement, damage waiver or protection plan for review. Check liability for aircraft damage, deductibles and loss of use. Have the appropriate advisers assess who should sign and what obligations the company accepts.
Describe pilots and aircraft
Provide pilot qualifications, recent flying, aircraft types and intended trips. Distinguish an employee-piloted rental from a charter flown by an operator’s crew. Ask how the actual company and pilot policies fit the proposed arrangement.
Review before the program expands
Bring the travel description, contracts, activity estimates and current policies to BWI. Report new pilots, aircraft or provider terms. Confirm available cover, limits, exclusions and conditions before relying on approval for a trip.
A practical review example
For example, approval for one employee to rent a stated aircraft on a business trip does not necessarily extend to another pilot or a different rental provider. Record what was approved, what policy terms were reviewed and which agreement applies. Bring a changed pilot, aircraft or contract back for review before relying on the original approval.
Keep the comparison record
- Record the parties and interests being reviewed.
- Keep the same values and activities in each proposal.
- List exclusions, conditions and unresolved requests.
- Retain the final confirmation and policy documents.
Contact BWI for an aviation insurance review using your current documents and proposed operation.
Continue Reading
