What does the liability coverage on owned aircraft exclude?

Liability coverage on owned aircraft typically excludes bodily injury claims that do not pertain to passengers. This means that while passengers on the aircraft are covered for bodily injury claims, any bodily injury claims made by third parties who are not passengers are generally not included.

The distinction is crucial for understanding aviation insurance, as the focus is often placed on protecting passengers aboard the aircraft, while liability for injuries to non-passengers may require additional coverage. This outcome is important for operators and owners to consider in their insurance policies, ensuring they have the appropriate protections in place for all aspects of liability that may arise during aircraft operations.

Passenger bodily injury coverage is important for commercial operators, as they need to be compliant with regulations and safety standards that ensure passenger safety during flights. Understanding these nuances helps in selecting the right policies and knowing where additional coverage may be necessary based on the operational scenario.