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The following is a description of a coverage that you might expect to find in a policy expansion endorsement.

Premises Liability Coverage: This coverage extends your aircraft liability to include damages you are legally required to pay arising out of the legal use of an aviation premises.  This would include a rented or owned hangar or “T” hangar or a pilot office located at the airport.  Usually, this coverage extension will satisfy the general liability requirements found in most airport leases.

Be careful with this coverage extension, however. Often policy wording extending premises liability coverage is limited to “incidental premises” and not those areas that are leased, owned, or furnished for your regular use.

Premises Medical: In addition to premises liability, some policies or expansion endorsements include premises medical insurance.  This coverage offers reasonable medical expenses resulting from an accident occurring on an airport premises for which you are responsible.  It is designed for a “first aid” type of expense allowing you or the insurance company to pay for incidental medical expenses without admitting legal responsibility.

Policy limits provided under the premises medical coverage part usually range from $3,000 to $25,000. Often the underwriter will increase this limit for no premium if asked. Although premises medical payments coverage appears to be of little consequence, it is used quite often.