Airmeet, Contest or Exhibition??

3. February, 2015 • 0 Comments

Pancake breakfasts, fly-ins, air shows, poker runs, and open houses, etc. are all events that will be held at an airport near you in the very near future.  With the winter in full force (the Detroit area received over 16” of snow this past weekend and Punxsutawny Phil saw his shadow…six (6) more weeks of winter) many operators are in full swing scheduling events for the upcoming summer.

When it comes to having insurance in place to protect you (the sponsor) or you (the airport) are there any differences between any of the above events?  In the long run…it just depends on the circumstance(s).

In many aviation general liability policies ‘exclusion h’ “Airmeet, Contest or Exhibition” excludes coverage for “Bodily Injury or Property Damage” arising out of (1) The conduct of any airmeet, contest or exhibition permitted, sponsored or participated in by any insured; or (2) The ownership maintenance or use of grandstands, bleachers or observation platforms.  The challenge becomes…how do you define an airmeet, contest or exhibition?  Inevitably somebody wants to do a fly by…is that an exhibition?  What about having a landing contest?  A flour drop contest?  Are aircraft flybys potentially considered an airmeet?  Hosting a classic car show on the airport?

An event that starts as benign as having a local scout troop there providing hot dogs and some aircraft on static display can quickly escalate to something that may invoke an exclusion in the policy. No matter the size and/or scope of your next ‘event’ how do you determine whether or not you’re covered?   Clear, concise communication is a start.

What do the underwriters want to know?  The proverbial ‘everything’ is a good start!  Tell your insurance representative what you’re planning…giving the who, what, when, where and why of the event.  Some key items to start with are:

Events come in all shapes and sizes.  Without full information there isn’t an easy way to determine whether or not your event rises to the level of exclusion h. in the policy. The aviation general liability policy has coverages available to cover your normal aviation operations.  Anything other than normal aviation operations should be flagged as something to communicate with your insurance professional early and often!  The last thing anybody wants is to find out 72 hours prior to the event that it is excluded under the insurance policy.

Regardless of whether or not Punxsutawny Phil is right or wrong, planning summer events warm the heart!!

 

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