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3 Answers

CFI Insurance

Asked by: 4099 views Flight Instructor

Looking to get CFI insurance in Alaska.

Contacted AOPA, their liability only, without non-owned airplane coverage, is $2000/yr. Way too expensive.

Contacted AVEMCO. Their liability is about $600/yr, and you can add non-owned coverage for a reasonable price, but they're telling me it only covers me while I am flying a non-owned airplane. In other words, if a student goes after me for malpractice, it will not cover that.

What other options are there? What insurance companies do you guys use?

 

Sergey.

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3 Answers



  1. KDS on Apr 16, 2018

    I looked at CFI insurance a bit and concluded that the price for the coverage was far more than the risk involved.

    What protects most full time CFI’s is that the don’t have much money. Lawyers tend not to advise suing when the total assets of the person being sued is a David Clark headset and a rusty Yugo. However, for part time CFI’s it does get risky. I’ve had a couple good friends stop instructing just for that reason.

    Hopefully Mark Kobler will come along and read this and provide an answer. This is in his area of expertise.

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  2. Mark Kolber on Apr 23, 2018

    I suspect the rates are higher in Alaska because of some of its unique characteristics. Liability coverage is usually the cheapest part of the premium, with hull coverage much higher.

    My recommendations are to either:

    (1) join one of the two big CFI organizations, NAFI or SAFE. Both have CFI insurance programs with decent rates and coverage (decent is a relative term). I’m more familiar with SAFE (it’s the one I use). If I recall correctly, NAFI uses AVEMCO, but gets the “malpractice” coverage added to their liability.

    (2) find an independent aviation insurance broker. These guys work for you and shop for available coverage and try to get good rates.

    Aside from that, understand what CFI insurance is. Basically, it is a non-owned aircraft policy (commonly called a “renter policy”) – a policy which covers (a) liability for damage to people and property other than the aircraft and (b) damage to the aircraft (“hull”). Both coverages arise from the use of the aircraft.

    But renter policies do not cover instruction, so a CFI policy adds that coverage. That’s still arising from the use of the aircraft. The non-NAFI AVEMCO policy stops there but most other insurers tack on malpractice (negligent instruction) as well.

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  3. KDS on Apr 25, 2018

    Thanks for adding that Mark. All very valuable information and written so as to be understandable.

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