EAA Chapter Insurance Overview, October 2008
What does the EAA Chapter Insurance program cover?
The EAA Chapter General Liability Insurance Program protects Chapters, their members, officers, directors, and volunteers from alleged negligence. Participation in this insurance program is mandatory for all Chapters located in the United States and Canada. A chapter can select a policy limit of $1,000,000, $2,000,000 or $3,000,000. The insurance policy provides comprehensive general liability coverage seven days a week, 24 hours a day, and extends liability coverage to Chapters that own or lease a clubhouse, hangar, or both. This insurance policy includes, without any additional premium, coverage for Class 1 events which include Chapter-sponsored pancake breakfasts, fly-ins and fly-outs, Young Eagle rallies, picnics, lunches, aviation meetings, swap meets, airport awareness days, static displays, picnics, RC demonstrations, poker runs, or museum tour to name only a few.
Does the insurance cover the chapter or just EAA?
The EAA Chapter Insurance program covers the individual EAA chapter, their members, officers, directors, volunteers and EAA from alleged negligence.
If an airport has no insurance, will the EAA Chapter Liability Insurance Program cover the airport?
An airport needs to carry airport liability insurance. The EAA chapter insurance program does not substitute for airport insurance. The chapter insurance program only covers activities for which the chapter has assumed responsibility. A few examples of what airport owners are solely responsible for include runway length and obstructions, fueling, aircraft maintenance, building and grounds maintenance.
Can an airport be an "additional insured" on a Chapter's insurance policy for a Chapter-sponsored event?
Yes, as long as that request is made on the Chapter Event Notice Form. This will provide insurance and defense to the airport for any claims that arise out of the activities the Chapter is conducting or responsible for. This will not replace the need for the airport to also have their own insurance to cover their airport operations. For example, if chapter members are parking airplanes and a pilot is directed to taxi over a trench and the aircraft is damaged, the Chapter and the additionally insured airport would be provided coverage because the chapter was responsible for marshalling aircraft. However, if an aircraft buys fuel from the airport during the event, and the line boy misfuels the aircraft with the wrong fuel and an accident results, the airport would need their own airport operations insurance to protect them for this loss. The additional insured status they were given under the Chapter policy would not apply because the Chapter had no role or operational function with fueling.
What should a Chapter do if an accident occurs at an EAA Chapter-sponsored event?
Report the incident to the EAA Risk Management Department as soon as possible with the following information:
- Note the date, time, and location of the accident or occurrence. Draw a diagram if applicable.
- Obtain names, addresses, and telephone contact numbers for all injured or damaged persons.
- Attempt to obtain names, addresses, and telephone contact numbers for all witnesses to the accident or occurrence.
- Make sure immediate first aid and qualified medical personnel are notified of any injury. Protect damaged property from any further damage.
- Have someone take immediate photographs of the accident scene if possible.
- Do not discuss the facts leading up to the occurrence or the facts of the occurrence with the news media at any time.
- Report incident to local FAA office or other government authority if applicable.
EAA Risk Management Department - Karen Kryzaniak
Office 920-426-4822 (M-F) or Cell 920-379-4822, firstname.lastname@example.org
Steve Buss, Chapter Manager 920-426-5914 (O), 920-203-9025 (C) or email@example.com
EAA's Main Office 920-426-4800 (M - F 8:15 a.m. - 5 p.m.)
Other Chapter Contact Information
EAA's Chapter Office 920-426-4876 or Chapters@eaa.org
Brenda Anderson, Chapter Administrator 920-426-6867 or firstname.lastname@example.org
Jenni Rosenow, Insurance Administrator 920-426-6106 or Jrosenow@eaa.org