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Flight Instructor Insurance

Asked by: 1447 views Flight Instructor

The flight school that I just got a job for requires me to buy insurance. It looks like I can either buy insurance that covers "bodily injury and property damage" and/or "aircraft damage." Is it necessary for me to buy aircraft damage insurance? wouldn't the school already cover aircraft damage? Would flight instructor insurance also cover you if someone tried to sue you for faulty training?

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1 Answers

  1. Best Answer


    KDS on Feb 08, 2022

    I’m sure Mark will do a better job of explaining it, but I’ll take a shot at it.

    I have seen flight schools where renters can buy “insurance” before they fly. What they are really buying is insurance against having the insurance company come after them in a subrogation. But I don’t understand why the flight school would care, assuming they have adequate insurance.

    I did see a case one time where a sleazy flight school sue a flight instructor for damage to the aircraft in a situation where the damage was in fact more likely due to their poor maintenance. It was not a high dollar case and when the instructor put up a fight, they dropped the case.

    One thing I would advise is to ensure you know exactly what you are paying for. Look the policies over carefully. Talk with the other flight instructors and the school. Then weigh the level of risk you are willing to take. I have known a couple excellent flight instructors who stopped instructing completely because they were what might be termed “deep pockets”. So, the risk you take is a more complex question than just how responsible you are in discharging your duties.

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