Rainier Flight Service
Personal Non-Owned/Renters Aircraft Insurance
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When operating aircraft not owned by you, you may be held legally liable for any Bodily Injury or Property Damage resulting from accidents during use of the aircraft on your behalf. Non-owned aircraft liability insurance shields you from these legal liabilities and provides a legal defense if claims are filed against you. Moreover, non-owned aircraft insurance policies from our partners Global Aerospace and Starr Aviation offer supplementary protection, encompassing emergency expenses like search and rescue, runway foaming, damage to non-owned hangar and contents, and more.
WHAT IS NON-OWNED AIRCRAFT INSURANCE?
Minimum Required Non-Owned Hull and Suggested* Minimum Liability Limits for Rainier Flight Service
Physical Damage / Hull: $20,000
Liability: $1,000,000 Third Party Legal Liability / $100,000 per Passenger
* Minimum Suggested Liability Limits by Symphony Aerospace
We offer two distinct Aviation Insurance Carrier options. Both have the option to purchase an annual policy. Additionally, our partner Starr Aviation has an option to purchase by the month as well.
WHAT NON-OWNED AIRCRAFT ARE COVERED?
Coverage is provided for Standard or Special (Light Sport or Experimental) Category, as well as a Sailplane or Glider with a Single engine not to exceed 450 rated horsepower (Starr Aviation) or 500 rated horsepower (Global Aerospace) and no more than 7 total seats.
In order to qualify under the Non-Owned policy, the combined ownership Interest in the Aircraft of the Named Insured and Spouse cannot exceed 25%.
It is important to note, certain limitations apply, with specifics outlined during the application process. Optional coverage for Seaplane or Multi-Engine aircraft, or both, can be chosen during the application process as well.
Please note: This policy does not extend to commercial aviation activities. It does not cover the use of non-owned aircraft for commercial purposes or as a flight crew member while offering professional pilot services.
However, when the CFI coverage extension is purchased, the policy is extended to include liability as a CFI arising out if ground or flight instruction, review or evaluation services performed by the Named Insured for others, including for hire or reward.
Frequently Asked Questions
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Personal Non-Owned Aviation Insurance typically covers three primary areas:
Third-party Legal Liability: Protects against financial responsibility for damaging someone else's property or injuring them while operating a rented aircraft.
Medical Expenses: Covers medical bills resulting from covered incidents.
Legal Defense: Offers legal representation if facing a lawsuit stemming from a covered event.
Additional Coverage may be purchased to include Physical Damage to the rented aircraft itself (Hull damage).
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These two Non-Owned Aviation Insurance policy options provide coverage for Standard or Special (Light Sport or Experimental) Category, as well as a Sailplane or Gliders with a Single engine not to exceed 450 rated horsepower (Starr Aviation) or 500 rated horsepower (Global Aerospace) and no more than 7 total seats.
Some additional options may extend to include multi-engine aircraft, seaplanes, and helicopters, but specific limitations and exclusions may apply. Always remember to review your policy details for clarity. If you have questions, please give us a call
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The cost of Personal Non-Owned Aviation Insurance is influenced by various factors, including:
Pilot experience and qualifications, type of aircraft flown, frequency of flying, chosen coverage limits, & deductible amounts.
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Yes, Rainier Flight Service requires all students and renters to purchase a policy with at least $20,000 in Hull / Physical Damage and $1,000,000 Per Occurrence / $100,000 per Passenger.
Furthermore, it's strongly advisable to have your own Personal Non-Owned Aviation Insurance, even if the aircraft owner is insured. The owner's policy might not cover you as a named pilot, or it could have higher deductibles or exclusions that leave you financially vulnerable.
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We are glad you asked! There are links above to two of our Aviation Insurance Carrier partners that provide great coverage at competitive rates.
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Item descriptionUnderstanding the exclusions in your Personal Non-Owned Aviation Insurance policy is crucial. Typical exclusions include:
Intentional damage or criminal activity
Operating beyond authorized limits (e.g., exceeding weight restrictions)
War and terrorism
Commercial use of the aircraft
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Great question, please call one of our experienced aviation insurance professionals at Symphony Aerospace.
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QUESTIONS?
If you have any questions about non-owned aircraft insurance, contact one of the aviation insurance professionals at
SYMPHONY RISK SOLUTIONS INSURANCE SERVICES, INC..
972-202-3922
Aerospacedirect@symphonyrisk.com