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Fixed Base Operators Application

September 20, 2011

Fixed Base Operators Application

PIM Aviation Insurance
P.O. Box 12750
Wichita, KS 67277
Local: (316) 942-0699
Toll free: (800) 826-4442
Facsimile: (316) 942-1260
If you would like to request an online quote please complete the form below. This information is for internal use only; none of the following will be distributed to any other parties. See our privacy statement for more information.

Management Personnel

Applicant is:

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Premises Liability


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Products Liability


Estimated Gross Income from the Following:

Hangarkeepers Liability


Non-Ownership Aircraft Liability

Aircraft Liability Coverage and Limits

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Basic Description of Fixed Base Operator Insurance Program

Airport Liability Insurance: Premises Liability - Typical limits for this coverage are $1,000,000 CSL. Each Occurrence for bodily injury Liability to the Public and Property Damage Liability. This insurance is similar to the type of coverage every homeowner or business man carries to protect himself against bodily injury or property damage claims by members of the public who have an express or implied invitation to enter and use the premises. It also covers any vehicles used on the airport, which are not licensed for highway use, such as aircraft refuelers, low tugs, etc. Excluded is the insured's liability for product sales, repair work and coverage for property damage to non-owned aircraft left in his care, custody or control. These coverages are available by endorsement as set forth below. Products Liability - Typical limits are the same as outlined above for Premises Liability. This part of the policy fills the gap in the Premises policy by providing protection for the insured's liability in connection with sale of products, such as aircraft, gas and oil, repairs and services, etc. Among typical claims would be a claim by someone who purchased fuel and then later crashed alleging engine failure due to fuel contamination. Another example might be a claim arising from the sales of a used aircraft with the purchaser alleging the accident was caused by a defective aircraft. Another case might be the customer's aircraft crashing because of faulty repair work done by the insured's shop. Hangarkeeper's Liability (In Flight) - This insurance provides legal liability for hull damage, for the insured or his employees, resulting from damage to non-owned aircraft being flown by them. For example, if the insured's pilot picks up a customer's airplane for repair and has an accident while landing or taking off, this insurance will protect the insured for legal liability for damages caused to the aircraft. Aircraft Liability Insurance (Owned Aircraft) - Typical limits for this insurance are $1,000,000 CSL/Each Occurrence for Bodily Injury and Property Damage including Passengers. This coverage protects the insured's legal liability for injury to members of the public or passengers and for damage to the property of others, arising out the use of any of his owned aircraft. The rental pilot's personal liability is normally not included under this coverage. Therefore, the operation should so inform his rental pilots and recommend they protect themselves by purchasing the non-ownership liability insurance, which is available for a very reasonable cost ($150-$250 a year, depending on amount of coverage) and would protect them not only while flying the insured's aircraft but any other non-owned aircraft. Liability Insurance (Non-Owned Aircraft) - This insurance protects the insured's legal liability for injury to members of the public and passengers and for damage to non-owned property arising out of the use of any non-owned aircraft which the insured or his employees may be flying. The aircraft itself would not be included under this coverage but would be under the in-flight hangarkeeper's liability previously mentioned. Non-Owned Hull Liability - This insurance protects the liability of the insured in event of loss or damage to a customer's aircraft left in his safe keeping. The amount of protection to carry depends on the highest valued aircraft normally in the Insured's care and custody and also the number of aircraft. For example, if the highest valued aircraft was $50,000 and the estimated total value of all aircraft in his care and custody amounted to $200,000, the recommended amount of coverage would be $50,000 limit any one aircraft/$200,000 any one occurrence. A typical loss covered by this Insurance would be a customer's airplane damaged by a lineboy pushing or taxiing it into another vehicle or building. Another example would be damage to a non-owned airplane while it was being fueled or repaired. Of course the most catastrophic loss would be a hangar fire with the allegation that the policy holder cause the fire or failed to take preventive measures. Hull Insurance (Owned or Leased Aircraft) - This insurance covers physical damage to the insured's owned aircraft. It is very important that the aircraft be insured for their current market value (not for the amount of mortgages involved). In the event of a loss, the insurance company has the option to either pay for the cost of repairs or settle on a total loss basis and if the aircraft is under insured, the owner could end of getting considerably less for his airplane than it's worth. For example, let's assume a $20,000 airplane is insured for only $15,000 and a $10,000 loss occurs. The insurance company could choose the option to total the aircraft rather than paying for cost of repairs and the Insured would end up getting only $15,000 less the applicable deductible for this airplane worth much more. Workmen's Compensation Insurance - Under this insurance, the company agrees to pay promptly when due all compensation and other benefits required of the insured by the state workmen's by statue in every state and the premium rates are state regulated and therefore non competitive. As a general practice, most insurance companies will not provide the insurance unless they have the operation's other insurance. Other Insurance Available - The aforementioned coverages completes requirements peculiar to the aircraft part of the business. On request, fire, auto and other business coverages can be arranged as needed.

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Aircraft 1:

Estimated Annual Flying Hours:

Aircraft 2:

Estimated Annual Flying Hours:

Aircraft 3:

Estimated Annual Flying Hours:

Aircraft 4:

Estimated Annual Flying Hours:

Aircraft 5:

Estimated Annual Flying Hours:

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Loss History and Previous Aviation Insurance

List all losses within the last five years:

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Staff Pilots

Pilot 1:

Pilot 2:

Pilot 3:

Pilot 4:

Minimum staff pilot flying hours required for charter flights