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Non Ownership Aircraft Liability Coverage

Who really needs Non Ownership Aircraft Liability Protection?
 
1.   A Person or Organization that charters an aircraft (pilot furnished by the aircraft owner) 
 
2.   A student pilot taking instruction in someone else's aircraft.
 
3.   A pilot who borrows an aircraft, from a friend.
 
4.   Someone who is ferrying or delivering an aircraft for someone else.
 
5.   An independent professional contract pilot operating an owner's aircraft.
 
6.   A member pilot of an aircraft owners group/flying club.
 
7.   A pilot who hires/rents an aircraft from the aircraft owner, flying club or flight school.
 
8.   A CFI providing flight instruction in a customer's aircraft.
 
9.   An engineer who is test-flying a customer's aircraft, even if he is only taxying the aircraft.
 
10. A flying club providing flight instruction in a customer's aircraft.
 
11. A person who is operating the aircraft when a loss occurs, even if accompanied by the owner
     of the aircraft.
 
12. A pilot operating an aircraft owned by a trust or company, even if you own the company and/or
     you're the beneficiary/appointer of the trust.
 
If you hire, borrow or just are flying a friends aircraft, your exposure to liability is both real and confusing.  Relying on someone else's insurance coverage can be foolish and costly.
 
 
 

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