Go Back  PPRuNe Forums > Aircrew Forums > Flying Instructors & Examiners
Reload this Page >

Public Liability Insurance

Flying Instructors & Examiners A place for instructors to communicate with one another because some of them get a bit tired of the attitude that instructing is the lowest form of aviation, as seems to prevail on some of the other forums!

Public Liability Insurance

Old 15th Jun 2021, 20:33
  #1 (permalink)  
Thread Starter
 
Join Date: Jul 2003
Location: UK
Posts: 167
Public Liability Insurance

I've not been on here for years.
Circumstances have recently led to me becoming a self-employed/freelance instructor. A bit of a shock after years of being employed. A flying club who I do some work for wants me to have my own public liability insurance. Has anybody purchased this insurance, and if so then what costs can I anticipate? Also from which company? 'll do some research when I get the chance, but this won't be until the weekend.
I'm a CPL holder, with 13k hours, who's teaching PPL, etc.
Thank you for any advice.
Esperanza is offline  
Old 15th Jun 2021, 20:51
  #2 (permalink)  
 
Join Date: Sep 2004
Location: Here and there
Posts: 524
Flying Instructor Insurance

ifitaint...
ifitaintboeing is offline  
Old 15th Jun 2021, 23:12
  #3 (permalink)  
 
Join Date: Oct 2017
Location: Bressuire
Posts: 646
I would approach such a policy with care, you could be wasting your money. There are an awful lot of "no" in the proposal. It is called 'Flying Instructor Insurance' not 'Public Liability; Insurance. The ATO/DTO cannot contract out the liability that it has to it's customers and the world at large.. Nor can you insure the same thing twice. I cannot understand should a public liability claim arise, how the instructors insurance can apply. Not to have any such insurance can only be the ATO/DTO risk not the instructors. I can foresee though a very messy situation arising should a claim ever be made. Public Liability Insurance is not expensive for the ATO/DTO so smell a rat.

My advice is that you should join AOPA as an Instructor and obtain good quality professional advice from them. Insurance is never a straightforward matter and nor will be your legal liabilities.
Fl1ingfrog is offline  
Old 16th Jun 2021, 05:23
  #4 (permalink)  
Thread Starter
 
Join Date: Jul 2003
Location: UK
Posts: 167
Thank you.
I'll do some more research & talk to those involved. Life's become very complicated recently.
Esperanza is offline  
Old 16th Jun 2021, 07:31
  #5 (permalink)  
 
Join Date: Jan 2008
Location: Uxbridge
Posts: 833
The insurance policy quoted is the one AOPA refer it's instructor/examiner members to.
However, I agree the flying club should have it's own policy. But that policy will only cover the public while in the club premises, not while airside or on other parts of the airfield, nor will it cover while in the aircraft. Those liabilities are the domain of the airfield or aircraft insurer.

Strangely, public liability insurance is not mandatory, but employer's liability is. Self employed instructors are considered employees in this case.
MrAverage is offline  
Old 15th Feb 2022, 12:14
  #6 (permalink)  
 
Join Date: Apr 2017
Location: UK
Posts: 76
Can anyone recommend a company that provides Employers Liability insurance? or a broker? for a flying club, thanks.
shorehamite is offline  
Old 15th Feb 2022, 12:31
  #7 (permalink)  
 
Join Date: Oct 2017
Location: Bressuire
Posts: 646
Most brokers can provide the insurance but best to use an aviation specialist such as those that provide aircraft insurance. They will understand your needs best.
Fl1ingfrog is offline  
Old 15th Feb 2022, 22:54
  #8 (permalink)  
 
Join Date: Feb 2000
Location: UK
Posts: 14,004
I don't have liability insurance as a flying instructor, but I do have liability insurance as an aviation consultant with a necessarily high liability limit and am happy with the service I get, for which the premiums I pay seem reasonable - it might be worth looking at the people I use.

https://quotes.caunceohara.co.uk/quote/master

G
Genghis the Engineer is offline  
Old 16th Feb 2022, 08:30
  #9 (permalink)  
 
Join Date: Mar 2016
Location: Cotswolds
Posts: 228
Ditto what Genghis says.
Kemble Pitts is offline  
Old 16th Feb 2022, 11:02
  #10 (permalink)  
 
Join Date: Jan 2008
Location: Uxbridge
Posts: 833
Most, if not all, of the traditional insurance companies are not interested in employers liability when the club premises are on an airfield. Haywards ended up as our only choice at last renewal. Premium is based on number of instructors, hours flown etc. Employers liability is mandatory.
MrAverage is offline  
Old 16th Feb 2022, 11:04
  #11 (permalink)  
 
Join Date: Jan 2008
Location: Uxbridge
Posts: 833
...........premium was definitely not cheap.
MrAverage is offline  
Old 16th Feb 2022, 18:39
  #12 (permalink)  
 
Join Date: Sep 2004
Location: Down at the sharp pointy end, where all the weather is made.
Age: 73
Posts: 1,625
We have a combined Employers/Public liability policy with our Club and our landlord, the airfield owner. This is also combined with a hangar keeper's insurance, as we rent it from them.. Not cheap but we think we've got pretty seamless cover. The only way of really finding out is to have a claim!

TOO
TheOddOne is offline  
Old 18th Feb 2022, 08:43
  #13 (permalink)  
 
Join Date: Apr 2017
Location: UK
Posts: 76
Thanks everyone for the information, i think we have found a package that suits with Hiscox, public liability, employer liability and professional indemnity all in for around 800pa.
shorehamite is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.