Liability Insurance
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What is Hangar Keepers Liability Insurance?
Hangar Keepers Insurance protects you, against damage to a third party’s aircraft whilst it is in your care, custody or control.
Policy covers damage to all types of aircraft, including jets.
Aircraft housed within an airfield hangar or airfield premises.
It is additional insurance that protects the property owner or occupier, providing a very important buffer for their own insurance policies.
Hangarkeepers caters for any third-party aviation equipment whilst it’s in the custody or control of the insured. It doesn’t need to be inside a hangar
What does it do?
This is the most fundamental insurance to cover yourself against damage against control that you don’t own, but have in your hangar or on your premises.
Critical Insurance
The critical facts are that Hangar Keeper Insurance protects you and your business, against any damage to aircrafts or parts that belong to someone else.
Wide Coverage
Flycovr hanger keepers coverage is also available for equipment and tools stored inside your hangar.
Legal Fees Covered
If you’re facing a lawsuit due to damage occurring while an aircraft is in your hangar, hangar keeper’s insurance can also provide coverage for legal fees and court expenses.
WHO CAN BENEFIT
So who is a hangar keepers insurance policy for?
Owners and/or Occupiers of premises that warehouse aircraft and aircraft parts. Such as Hangar’s but also any commercial Aviation premises.
Owners and/or Occupiers of premises
Repair, maintenance and service providers
Ground handlers
Paint shops
Owners of airfields
Service Providers
Logistics services
Refeullers
A Legal Requirement
The aviation industry operates a fast supply chain with high demands, and extremely valuable equipment. During which, there are critical timeframes in which supply is required, and extremely important maintenance work taking place on fundamental parts of aircrafts.
Simply put, if an aircraft or any parts, are damaged whilst in your care, that customer can sue you and your business for damages caused. It is of great importance, that you check all your contracts and agreements with your customers and partners, as often Hangar Keepers Liability is a legal requirement to service certain aircrafts.
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Hangar Keepers Liability
This is the most fundamental insurance to cover yourself against damage to Third Party Aircraft / or Aircraft Parts that you have in your hangar or on your premises. It is truly an insurance cover for you and your actions – protecting your business and commercial interests.
If you own or occupy an aircraft hangar or any airfield premises used for commercial purposes, then hangar keepers could be a requirement for you; especially if the hangar or premises is used for aircrafts or aircraft parts.
The critical facts are that Hangar Keeper Insurance protects you and your business, against any damage to aircrafts or parts that belong to Third Parties. It is very common that mistakes, errors or accidents can happen whilst having aircraft components, parts, engines or even full aircraft in your care, custody or control. Unfortunately damage occurs on a regular basis through the pressures of tight deadlines around aircraft maintenance. Whether a technician, aircraft engineer or other maintenance organisations, it is very important that you protect your business against the potential damage to Third Party aircraft.
Frequently Asked Questions
I already have Products Liability, do I need Hangar Keeper Insurance??
Product Liability covers the costs of claims from individuals who are injured as a result of a faulty product or from a direct consequence of your business maintenance work, services, designs, manufacturers or supplies.
Hangar Keepers is a claim for damage against physical property such as aircrafts, parts or equipment.
What is PPH?
PPH stands for Premises, Products and Hangar Keepers Liability. These are the three insurance areas that often overlap. Flycovr combine aviation expertise an aviation insurance specialists to ensure you get the right insurance product.
These three insurance products are often bought in combination together to ensure you are fully protected. The acronym PPH therefore ties these together, but you can by Hangar Keepers individually as well as with one or all combined.
What is the difference between Premises and Hangar Keepers Liability?
Premises Liability covers claims from members of the public, customers, partners or clients that suffer an injury as a result of an accident or incident that has taken place on your premises. This therefore protects you against claims from any third party against you for something that occurs on your premises where you have been found liable. Hangar Keepers is designed to protect you and your business for incorrect actions taken on another person’s or business’ aircraft or aircraft parts whilst in your care.
Therefore Hangar Keeper’s protects against any damage to the aircrafts, whereas as premises protects you against claims from people who are hurt or injured on the premises. This applies to any property whether a hangar, office or any other commercial storage or maintenance facility.
Frequently Asked Questions
Does Hangar Keeper Liability protect the owner of the aircraft itself?
Hangar Keeper protects you, the policy holder, for the cost of damages that may be caused by your actions. This does not protect the actual aircraft owner and does not take the place of the aircraft insurance that they hold. This only covers your mistakes. Nothing else. Therefore, if some damage occurs, that you have not caused, such as acts of god like a tornado whilst the aircraft is in your hangar, then hangar keepers does not cover this.
Do you have to own the premises to get Hangar Keepers Insurance?
No. You do not have to own the property. If you occupy an airfield hangar or airfield premises for commercial purposes or for the storage of aircrafts, then you still require this cover against aircrafts and parts that you do not own.
If I have a claim against me, what do I do?
If you have hangar keeper cover, then the insurance can also help to cover against court costs, claims processes and legal fees. The insurance policy has to be drawn up to your specific needs and it is best to speak to a specialist aviation broker to advise on the repercussions of this. Flycovr Ltd, can ensure you get the right insurance adviser and you will have the process clearly explained.
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What does it cover
So What Is Hangar Keepers Insurance?
Hangar Keepers Insurance protects you, against damage to a Third Party aircraft whilst it is in your care, custody or control.
What is covered under Hangar Keepers Liability? This insurance policy covers damage to all types of aircraft and aircraft parts including jets, that are housed within an airfield hangar or an Aviation premises.
Hangar keepers insurance caters for any Third Party Aviation equipment whilst in your care, custody or control of the insured. It doesn’t need to be inside a hangar, it could be in a factory where you’re working on parts. If your customer sends you a part to provide repairs on, that part is deemed to be in your care, custody or control and it falls under the hangarkeeper’s requirement.
Hangar Keepers Insurance cost
Nothing compared to the potential business cost of damaging an aircraft that isn’t owned by you or your company. Hangars house hugely valuable aircrafts and parts, and for a very small % of that, you can protect the business.
The damage can occur for many reasons, but albeit there is a recordable Occurrence or Accident the policy can react. However, it has to be the owner or occupier of the premises that is found legally liable for the damage caused and therefore it is very important to ensure you get the right insurance broker to protect your needs.
However, it has to be the owner or occupier of the premises that is found legally liable for the damage caused and therefore it is very important to ensure you get the right insurance broker to protect your needs.
What is the difference between Premises and Hangar Keepers Liability?Premises Liability covers claims from members of the public, customers, partners or clients that suffer Property Damage or Bodily Injury as a result of an accident or incident that has taken place on your premises. This therefore protects you against claims from any third party against you for something that occurs on your premises where you have been found legally liable.
Therefore Hangar Keeper’s protects against any damage to the aircraft or aircraft parts whereas as premises protects you against claims for Property Damage or Bodily Injury on the premises. This applies to any property whether a hangar, office or any other commercial storage or maintenance facility.
I already have Products Liability, do I need Hangar Keeper Insurance?
Product Liability covers the costs of claims from Third Parties who are injured as a result of work/services you have performed on a part / product that causes an Occurrence / Accident that you are found legally liable for.
Hangar Keepers is a claim for damage against physical property such as aircrafts, parts or equipment.
What is PPH?
PPH stands for Premises, Products and Hangar Keepers Liability. These are the three insurance areas that often overlap. Flycovr combine aviation expertise in an aviation insurance specialist to ensure you get the right insurance product.
These three insurance products are often bought in combination together to ensure you are fully protected. The acronym PPH therefore ties these together, but you can buy Hangar Keepers individually as well as with one or all combined.
Why Choose Flycovr for Your Hangar Keepers Liability
- It is really important that you understand all the insurance policies that you have as a business, to cover your financial, commercial and legal requirements. Flycovr, will ensure you speak with a specialist to carefully understand the insurance that is required specifically for your business needs. Often businesses are overpaying and still underinsured.
- Hangar Keepers Liability protects your business. It protects you from damage to third party property whilst in your care, custody or control.
- Mistakes happen! A simple error or accident can cost YOU millions. Or even worse, just through unbeknown factors that contribute negligence, the price could be huge.
- The price is hugely cost effective compared to the potential claim against your business.
- Instant Peace of Mind. Flycovr will ensure you get independent advice from an aviation insurance specialist who can advise you on the requirements you need to cover your business activity and continue knowing that your finances are secure.
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