What is non-owned liability coverage?
It is a liability insurance policy to protect you against claims arising from bodily injury and property damage for which you are legally liable, caused by an occurrence arising from your use of a non-owned aircraft. This coverage does not apply to the non-owned aircraft you have borrowed or rented. Physical Damage to your non-owned aircraft must be purchased. I do not rent aircraft, but occasionally I borrow an aircraft from a close friend. I am named on their policy as an approved pilot, don’t I have coverage? The policy is intended to cover the owner of the aircraft not the user of the aircraft. Depending on the policy and insurance company you may be held responsible to any damage you cause to the aircraft. Will a non-owned policy provide coverage for a borrowed aircraft that doesn’t have insurance? If you purchase physical damage to your non-owned aircraft coverage, the policy will provide you with liability coverage while using someone else’s aircraft. Your non-owned coverage is
It is a liability insurance policy to protect you as a non-owner pilot against claims arising from Bodily Injury or damage you may have caused to others or to their property when using a non-owned aircraft. Your insurance company’s commitment is to defend you if you are sued, and if you are at fault, to pay for the damages according to the terms of the policy. This coverage is not medical or life insurance, but rather, liability coverage for claims made against you by third parties for which the law holds you legally liable. This includes damage to the non-owned aircraft you are operating if you purchase Aircraft Damage Liability coverage. Bodily Injury and Property Damage Liability coverage and Aircraft Damage Liability coverage are generally the two types of coverage you can purchase under a non-owned policy.
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