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  • LL Johns News & Articles

    You Might Need Professional Liability if…

    If you are an aircraft appraiser and you are sued because a client claims you provided an inaccurate assessment, do you have insurance coverage?  Or what if you operate an aircraft maintenance facility and a customer claims that you missed a major problem in the pre-purchase inspection?  How about if you are an aviation consultant or aircraft broker and a client claims that relying on your expertise and advice cost them money?   None of these situations would trigger the general liability policy and you just might need Professional Liability insurance.

    Read more here about the introduction of this new professional liability solution.

    LLJohns Offers Automatic Policy Renewal

    We will now AUTOMATICALLY renew qualified accounts by sending you an Insurance Summary and invoice 30 days prior to renewal of your aviation insurance policy.  All you need to do is review the summary for accuracy, and send your payment by the due date to confirm your acceptance.

    Read More here: LLJohns Automatic Policy Renewal 2018

    Please Join Us at the
    LL Johns & Associates VIP Tent!

    Sunday, August 27, 2017

    Oakland County International Airport Open House & Air Show

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    REUNION – For PTK Aviation Professionals

    Past and Present

    First Annual Reunion, Celebration, and Award Presentation
    Saturday, August 5, 2017 – 2:00 pm – 8:00 pm
    Horizon Lakes Airpark, Linden, MI (9G2)(Fly or Drive)

    Click for more details

    January 1, 2020 – Why This Date is So Important?

    What is ADS-B?

    Automatic Dependent Surveillance – Broadcast (ADS–B) is a surveillance technology in which an aircraft determines its position via satellite navigation and periodically broadcasts it, enabling it to be tracked. The information can be received by air traffic control ground stations as a replacement for secondary radar.

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    Aircraft insurance policy requirements and Federal Air Regulations are not interchangeable

    Don’t confuse your aircraft insurance policy requirements with Federal Air Regulations. This is a common mistake made by many people, but remember they are two very different things.

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    New bill pending on third-class medical for pilots

    A bill is currently awaiting approval from the House that will change the FAA’s third class medical requirements. The proposed bill will affect pilots flying smaller general aviation aircraft in both VFR and IFR conditions.

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    FAA and the Small UAS Aircraft Registry

    Drone, UAV (Unmanned Aerial Vehicle), UAS (Unmanned Aircraft System), RPA (Remotely Piloted Aircraft), unmanned aircraft, robot, RPAS (Remotely Piloted Aircraft System)…what is the correct name to use for the gift of choice during the past Christmas season? There doesn’t seem to be a consensus as to what to call them, yet we know (or have an idea) what they are. Even the military branches use different names.

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    9th NBAA Annual Aviation Leadership Breakfast Videos

    Thank you to those of our friends and colleagues that joined us at the leadership breakfast while attending the NBAA convention. We’ll look for (more of) you next year. For those that were unable to attend, we want to share with you two videos from the breakfast.

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    Keeping your records up to date

    Back in the early days of television many of the shows signed off the air with the statement “Keep those cards and letters coming folks”. We don’t need your cards and letters so much, but before your policy expires we do need your completed update and pilot record forms. It makes our job as your agent much easier, and in some cases it does make a difference in the renewal premium. We mail the blank update and pilot record to you months before your policy expiration date. At the same time we send a copy of the forms that you completed the previous year to use as a starting point. When we receive your new update and pilot record(s) we send it to the various carriers with a request for their very best program.

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    Understanding the Pilots Requirements Clause

    Every aircraft policy has a “Pilots” requirement clause that spells out exactly who can fly the aircraft in order for coverage to apply should a loss occur. There are two ways for a pilot to be approved under the policy. The first is under the Open Pilot Warranty (OPW), which states that any pilot can fly the airplane provided they have the permission of the Named Insured (usually the airplane owner). They must also meet certain certificate and experience requirements that are spelled out in the OPW.

    The second way is to have the underwriter name the pilot in the policy as an approved Named Pilot. In this situation, the underwriter has reviewed the pilots experience and has agreed to approve him even though he may not meet one or more of the requirements of the OPW. Owner pilots and pilots that regularly fly the airplane are usually listed as Named Pilots even though their qualifications meet or exceed the OPW requirements.

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    Changes to the Workers’ Compensation insurance marketplace

    Recently, both the National Air Transportation Association (NATA) and Beacon Aviation announced changes to their workers’ compensation programs.

    As stated in their January 12th press release “The National Air Transportation Association (NATA) today announced a new Workers’ Compensation Insurance Program that rewards safety by making it possible for participating members to enjoy an annual return on insurance payments whenever annual premiums collected for the program exceed the administrative and claims costs for an individual year.” The NATA program will now be underwritten by QBE North America

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    Understanding the Claims Process

    The insurance industry would not exist if bad things did not happen. Aircraft losses including accidents, thefts, fires and windstorms are definitely bad for the aircraft owners and pilots involved. As insurance industry agents, underwriters, and claims adjusters it is our job to restore what was lost and protect our policyholders from potential additional expense and possible liability.

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    Workers Compensation in the Aviation Industry

    Workers Compensation for professional pilots and aviation related employees is a unique niche. You may have heard that some insurance companies won’t write the coverage at all – or at the very least, will exclude any flying crew from a corporation’s Workers Compensation policy.

    Not to worry – there are several strong insurance companies that have served the aviation industry for years, and some new innovative companies have added programs that provide a clear path to the coverage you need.

    Whether you’re a corporate flight department, FBO, Flight School, Charter Operator, or specialize in Props, Engine Repair, Avionics, or Repainting and Refinishing – there is a program available for you.

    Here’s a rundown of the current industry leaders:Read More

    EAA and AOPA Insurance Discounts

    There are several organizations that provide valuable services to general aviation pilots and aircraft owners. The two organizations that light aircraft operators are most familiar with are the Aircraft Owners and Pilots Association (AOPA) and the Experimental Aircraft Association (EAA). Both of these organizations provide their members with many services including training seminars for pilots and flight instructors and organized efforts to defend against user fees, tax increases on general aviation operations, and threats to local airports. They are both active in efforts to increase the pilot population and secure the future of general aviation.

    Read More

    The Facts on Conditional Notice of (Non-) Renewal

    If you have not yet seen a Conditional Notice of Renewal (…or “Non-Renewal”, as the form may read), you may see one soon. Fear Not!
    In many states the law requires the insurance company to give the policyholder ample warning of any adverse change in the premiums, limits, deductibles, or terms & conditions of the policy. Since aviation insurance policies do not renew automatically, many insurance companies elect to send out these notices regardless of whether they expect any change in the policy. They simply want to reserve their right to make changes should the renewal information be less than acceptable. Read More

    The Agreed Value Contract and the danger in over-insuring your airplane

    Many of us have had the misfortune of dealing with a damaged automobile and experiencing first hand the way automobile policies handle physical damage. Auto policies are generally written on an Actual Cash Value basis, which means the payment made in the event of a total loss is adjusted for depreciation. Read More

    LL Johns & Associates celebrates 40 years

    Decades as aviation insurance specialists… A lifetime as enthusiasts. This is more than just a slogan at LL Johns. A love of aviation is in the company’s blood. Larry Johns, the founder of LL Johns, has been flying since 1963 and remains an avid pilot today. Read More

    LL Johns Staff Earns Certifications

    Continuing their tradition of providing the best in insightful aviation insurance service to their clients, several of the LL Johns team recently earned industry certifications. Steve Johns, President of the company, has been designated a Certified Insurance Counselor (CIC). Read More

    Steve Johns presented at the 18th Annual Aircraft Transaction Forum

    Steve Johns, member of the Aircraft Transaction Advisory Board, presented a seminar at the Aircraft Transaction Forum held February 28 through March 1, 2011, at the Phoenician Resort in Scottsdale, Arizona. Read More

    Keeping us updated helps keep you a Preferred Pilot

    You have probably noticed that every year about four months before your policy expires you receive a letter and a renewal update form from LL Johns. The first question most people ask when they receive it is “Didn’t I just do that?” The answer is yes, about a year ago. The second question may well be “Why do I have to do this every year?” Here’s why… Read More

    LL Johns & Associates – Aviation Insurance with an Edge

    It’s one thing to be knowledgeable about the business you’re in – it’s another to be passionate about it. The love of aviation is what makes the agents of LL Johns & Associates exceptional in a field dominated by number crunchers and rule followers. Read More

    Insuring Against Terrorism – 5 Years Later

    If you purchase aviation insurance you probably have heard talk about “TRIA” in the last few years. Well, now there’s a new and improved version called the Terrorism Risk Insurance Extension Act of 2005, or TRIEA for short. But what is TRIEA and how does it differ from TRIA? Read More