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This insurance is suitable for those responsible for aviation premises and housing third party aircraft, maintaining third party aircraft or manufacturing aviation products. Insurance cover in respect of Hangar Keeper’s Liability Insurance is provided under the following three sections:

  • Liability for Airfield Premises

This section covers liability arising from bodily injury or Property Damage:

  • in or about the premises specified insured as a direct result of the services granted by the insured
  • elsewhere in the course of any work or in the performance of any duties carried out by the Insured or his employees in connection with the business or operations of the insured

caused by the fault or negligence of the Insured or any of his employees engaged in the Insured’s business or by any defect in the Insured’s premises, ways, works, machinery or plant used in the Insured’s business.

Exclusions Applicable to this Section only

  • Loss of or damage to property owned, rented, leased or occupied by; whilst in the care, custody or control of; whilst being handled, serviced or maintained by, the Insured or any servant of the Insured, but this exclusion shall be deemed not to apply to vehicles that are not the property of the Insured whilst on the premises specified in the Schedule;
  • Bodily injury or Property Damage caused by:
    • any mechanically propelled vehicle which the Insured may cause or permit any other person to use on the road in such a manner as to render them responsible for insurance under any domestic or international law appertaining to road traffic, or where no such law exists, whilst such vehicle is on any public highway;
    • any Ships, Vessels, Craft or Aircraft owned, chartered, used or operated by or on account of the Insured, but this exclusion shall be deemed not to apply to aircraft owned by others which are on the Ground and for which indemnity is otherwise granted
  • Bodily injury or Property Damage arising out of any Air Meet, Air Race or Air Show, nor any stand used for the accommodation of spectators in connection therewith, unless previously agreed by the Company;
  • Bodily injury or Property Damage arising out of construction of, demolition of or alterations to Buildings, Runways or Installations by the Insured or his contractors or sub-contractors (other than normal maintenance operations) unless previously agreed by the insurance company
  • Bodily injury or Property Damage arising out of any goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured or his employees after such goods or products have ceased to be in the possession or under the control of the Insured, but this exclusion shall be deemed not to apply to the supply, by the Insured, of food or drink at the premises specified in the policy
  • Loss of or damage to stock and/or merchandise of any description;
  • Liability for Aircraft in Care, Custody or Control

This section covers liability arising from loss of or damage to Aircraft or Aircraft equipment, not owned, rented or leased by the Insured, whilst on the ground or during a test Flight and whilst in the care, custody or control of or whilst being serviced, handled or maintained by the insured or and servant of the Insured.

Exclusions Applicable to this Section only

This Section does not cover:

  • Loss of or damage to wearing apparel, personal effects or merchandise of any description
  • Loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured
  • Liability for wear and tear, deterioration, breakdown, defect or failure howsoever caused in any Unit of the Aircraft and the consequences thereof within such Unit
  • Loss of or damage to any Unit or component of an Aircraft caused by or during the actual process of maintenance, repair or testing of that Unit or component
  • Liability for Aircraft Maintenance, Sales or Repairs

This section covers liability arising from bodily injury or Property Damage:

  • arising out of the possession, use, consumption or handling of any goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured or his employees, but only in respect of such goods or products which form part of or are used in conjunction with aircraft, and then only after such goods or products have ceased to be in the possession or under the control of the Insured
  • for which the Insured is liable under provisions of trade practice and regulations

Exclusions Applicable to this Section only

  • Damage to the property of the Insured or to property within his care, custody or control
  • The cost of repairing or replacing any defective goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured or any defective part or parts thereof
  • Loss arising out of improper or inadequate performance, design, construction or specification but this exclusion shall be deemed not to apply to bodily injury or Property Damage as insured hereby resulting there from
  • Liability for wear and tear, deterioration, breakdown, defect or failure howsoever caused in any Unit of the Aircraft and the consequences thereof within such Unit
  • Loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim here-under
  • Loss or damage arising from the withdrawal of Flight operations of any Aircraft due to a mandatory order of an authority responsible for Civil Aviation because of an existing, alleged or suspected defect, fault or condition.

 

 

 

 

This policy is suitable for a wide range of clients with operations in the aviation industry including:

  • Aircraft maintenance and repair organizations
  • Flying schools and aero clubs
  • Private aircraft hangers
  • Charter and airline operators
  • Airport tenants
  • Aircraft refuelers

 

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