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ChprPlt

Liability for signing off students?

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That actually depends a lot on how the flight school set up their insurance. If the named insured includes employees, and the flight instructor is an employee and not a contractor, they do not need renters insurance. If, on the other hand, the instructor is simply named on the policy as a pilot, they are not actually covered, as only the named insured is covered while the named pilot is operating the aircraft. In this case the CFI would want cfi renter's insurance, which is really non-owned insurance that would cover the CFI while operating the flight school's aircraft. Many pilots feel that they are covered when they are a named pilot, and this is a common misconception. The only way a pilot is truly covered is if they are an additional insured with a waiver of subrogation, or if they are an employee on a policy whose language for the named insured includes "employees"

 

I don't understand a word of it, although I don't doubt you are correct. Never thought to ask

the flight school owner if there was a "waiver of subrogation". The school has had two accidents.

Nothing came back to the instructors, though no injuries.

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I don't understand a word of it, although I don't doubt you are correct. Never thought to ask

the flight school owner if there was a "waiver of subrogation". The school has had two accidents.

Nothing came back to the instructors, though no injuries.

 

It's rare for the insurance company to come after instructors, but it does happen. Basically, for full protection you want to be named individually as an additional insured with a waiver of subrogation, which will prevent the insurance company from trying to blame you. I know how the job market is for helicopter pilots though, and instructors don't have much leverage to get things added to an insurance policy...you take what you can get. But if you CAN get it, i'd suggest it :-)

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