Hi Kent be true,
No, not saying you’re not covered but there is a very big BUT and a very large grey area which the lawyers will love. The aircraft you fly could have the best coverage, but the buzzword is Subrogation.
If you are an employee of a company you have protection under their public liability Insurance policy that they have. (Not really anything to do with aircraft insurance)
As a freelance pilot you may not fall under this protection and when things start getting nasty with insurance companies and lawyers, do you have it in black and white that you as a freelance pilot are covered against Subrogation? It really is a case by case basis with you as a freelancer and the company you freelance for.
ALL non Austrian resident pilots at JA are now forced into full time freelance contracts. Do you think JA will give you the support or throw their hands in the air and say he is freelance nothing to do with us when things go bad!!
Have a read of this article. The other issue is you may be approved but are you protected? No, I’m not an insurance salesman
Professional "Contract" Pilots -- Are You Protected?