Have a question about Avemco's CFI Non-Owned aircraft insurance?
Browse through our list of frequently asked questions below. If you still can't find the answer you're looking for, contact us at (888) 241 7891 (M-F 9:00 am to 6:00 pm Eastern). One of our aviation underwriters will be happy to assist you.
- I would like to give instruction in my own plane. Does the Avemco CFI Renter's policy cover me when I provide instruction in my own aircraft?
- I am a CFI and work for a local FBO. What liability coverage should I get to protect myself?
- I have been contracted to provide instruction in another person's airplane. Will the owner's insurance policy offer me liability protection if he names me as an approved pilot on that airplane?
- Does the Avemco CFI Non-Owned policy cover me for claims asserting that I did not instruct someone properly?
- I want to borrow a friend's airplane and give dual flight instruction. What coverage do you recommend I get?
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Q: I would like to give instruction in my own plane. Does the Avemco CFI Renter's policy cover me when I provide instruction in my own aircraft?
A: No. The CFI Non-Owned Aircraft Insurance Policy only provides coverage when instructing in a "non-owned aircraft," as defined in the policy. However, Avemco does offer a product if you instruct on a part-time basis in your own aircraft. Click here for more information on the Avemco CFI Owned Insurance program.
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Q: I am a CFI and work for a local FBO. What liability coverage should I get to protect myself?
A: Unless you are absolutely sure you have coverage under the FBO's policy, and that the FBO's policy is in force, you should protect yourself by purchasing a non-owned aircraft policy with a CFI Endorsement (click here to review the CFI Endorsement). Since different people have different needs, there is no standard recommended amount of liability coverage you should carry. You need to consider factors such as your personal assets, earnings, the liability limits you carry on your other insurance policies such as auto or homeowners, whom you carry as passengers, and how much insurance you can afford or that is available, among others. Obviously, buying the most coverage you can afford and that is available is your safest bet.
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Q: I have been contracted to provide instruction in another person's airplane. Will the owner's insurance policy offer me liability protection if he names me as an approved pilot on that airplane?
A: No. Your being named as an approved pilot on their policy keeps their coverage in force when you operate their aircraft but does not automatically extend coverage to you. To do that you can purchase a CFI Non-Owned policy.
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Q: Does the Avemco CFI Non-Owned policy cover me for claims asserting that I did not instruct someone properly?
A: No. The Avemco policy is not intended to provide you with professional liability coverage. Coverage only applies when you are in the aircraft providing instruction. See our NAFI CFI Program regarding coverage for past instruction.
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Q: I want to borrow a friend's airplane and give dual flight instruction. What coverage do you recommend I get?
A: You would need a CFI Non-Owned Aircraft Insurance Policy. In addition to Bodily Injury and Property Damage Liability coverage, you should purchase Aircraft Damage Liability in an amount that will cover the value of your friend's aircraft. Your friend should understand, however, that your use of their aircraft to give flight instruction will likely void their coverage unless that instruction is agreed to by their insurer.
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