Describe how flights are arranged
Explain who books, pays for and approves charter travel, including bookings made outside the travel department. Identify employees, related entities and the purpose of flights. Keep a current activity estimate.
Review the company’s own interest
A company may have an aviation liability question without owning an aircraft. Ask what the operator’s insurance and any requested additional insured status actually provide. Neither should be assumed to replace the company’s own policy review.
Keep distinct activities separate
Review liability to others separately from damage to the aircraft. An employee’s personal renters policy and a corporate policy may serve different interests. Describe employee-piloted rentals separately from flights conducted by a charter crew.
Maintain booking and change records
Keep the operator, aircraft, dates, passengers and requirements with the booking. Review substitutions and changing travel patterns. Identify who gathers insurance evidence and brings gaps or unanswered questions to the appropriate contact.
Prepare the BWI submission
Provide the company structure, travel practices, activity figures, contracts and current policies. Ask about corporate nonowned options based on the actual operation. Compare limits, exclusions, insured parties and conditions in the written terms.
A practical review example
For example, an employee may book through a new charter provider without using the usual travel process. Keep the operator and contract details available for review, including any substitution. Ask whether the company’s existing program addresses the arrangement. Payment by the company and evidence from the operator do not resolve every insurance question.
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.
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