Personal Injury Liability in Aviation Insurance - Totally Different

When most folks think of Personal Injury liability, they think of late-night commercials or unending billboards advertising personal injury attorneys who want to represent them when they have been physically injured.

In aviation insurance, personal injury liability coverage is totally different! It provides “lawsuit” protection to the policyholder for alleged injury not to someone’s physical body but to their character, reputation, personal freedom, gainful employment, etc.

In its basic form, Personal Injury liability covers injury caused by an insured’s offense to someone else of:

• False arrest, false detention, or other false imprisonment;
• Malicious prosecution;
• Wrongful entry into, wrongful eviction of a person from, or other violation of a person's right of private occupancy of dwelling, premises, or room that such person occupies, if committed by or on behalf of its landlord, lessor, or owner; or
• Electronic, oral, written, or other publication of material that:

• Libels or slanders a person or organization (which does not include disparagement of goods, products, property, or services); or
• Violates a person's right of privacy.

This coverage is typically included at no charge under most corporate aircraft hull & liability policies and Commercial General Liability policies. The maximum liability limit insurance companies will provide is $25M per occurrence.

If you own a corporate aircraft or operate an aviation business that has a Commercial General Liability policy, consult with your AssuredPartners broker and make sure you have this coverage included. In our litigious society, where lawsuits for any type of injury are a given, even if a claim is groundless, the coverage pays to hire an attorney to defend you.