As a flight instructor, chances are you will live a long life, fly thousands of hours and instruct hundreds of students who go on to have many years of accident free flying. Unfortunately, aircraft are occasionally involved in accidents and flight instructors are blamed. Students and/or other third parties may even file a lawsuit against the flight instructor seeking monetary damages. Importantly, the non-owned insurance policy also covers the costs and expenses associated with defending you in court. Consider the following to help you build a solid risk management plan as it relates to your flight instruction business.
If you are employed by a flight school and the flight school has insurance, then you are likely covered by their policy for flight instruction given during the course and scope of your employment with the flight school. If you elect to provide flight instruction outside of your employment with the flight school, then you will need to consider your own insurance coverage. You may only provide a flight review or an IPC to some select clients outside of your employment. In these cases, the flight school will not be able to help and you will need your own policy to defend you, or slug it out on your own, which again may really put a damper on your pocket book.
Knowing the Law and Dealing with It
Generally, the courts will not hold an educational facility liable for the training they provide. As an example, universities are not sued for their graduate’s liability. How would society ever be able to function if a learning institution could not train doctors, nurses or other professional trades such as engineers? Outside of a university, professional flight instructors are just that – a for-hire business, therefore some courts have allowed lawsuits to move forward as it relates to a for hire flight training institution.
There are ways to protect yourself and your future. Documentation, record retention, transferring your risk, and insuring your risk are just a few measures you can take to shield and build your empire. AssuredPartners Aerospace is available to assist with all your questions regarding non-owned hull and liability insurance coverage. Reach out to an AP Aerospace specialist for help through the insurance process to determine how best to protect yourself.
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