Parker_Woodruff

I'm not saying this about the OP, but shops need to take high-res pictures of planes when they enter into their possession. There are certainly instances of some owners just not realizing the blemishes exist prior to the shop taking custody of an aircraft.

Independent contractors often have to be underwritten on Workers Compensation policies.

I write aviation workers' compensation insurance but there could be a problem trying to get a company to write a policy for just one employee. Will there be more employees involved? Or is there any other aviation exposure at your company to provide some supporting business?

Case-by-case. When it becomes a matter of significance (say someone who really just needs an hour or two of transition training rather than 5-10), a good broker will ask for what the insurance company wants to hear (exact model time) and then get other details to support a desired outcome. Or in a rare case, ask for permission to credit other Mooney time towards a specific model.

Yes, and most require the specific model but we can negotiate similar experience toward reducing checkout time or maybe crediting M20R time for M20U etc.

-Sometimes a broker negotiates (to varying degrees) previous similar model experience. - Sometimes it's an ignorant broker that says "All M20 time is fine" when in the majority of cases, it's not. - I can't remember for sure, but I seem to recall one underwriter group certain models together and allow for experience within that pool of particular M20_

Just buy the plane then get your transition training. Whatever money you spend on renting will be far more than insurance savings (if any)

Also, @SilentT, sorry if I missed it....what is your total logged fixed wing flight time? What @KSMooniac said is spot on. Insurance is going to hurt the first year. Just fly a lot and you'll have better options. I see the claims...it's really not something to skip on...

Doesn't your umbrella policy require an underlying limit?

Many of my clients seem to like Buckholts State Bank, WeFlorida Financial, Red River State Bank, and First Pryority Bank. I'll also note that the above banks don't seem to give me hassles as an insurance broker. There are a few banks that are a total pain to insurance brokers and I've had to go to war with at least one of their servicing companies lately (I/we lost, but it was the principle of the matter that was worth fighting).

Oh...and as you're going through your training and you find the plane you absolutely want to own (and experienced aircraft owners agree that you absolutely should buy this plane), we can write a pro-flown aircraft insurance policy for you so that you can keep training in the rental plane but have a pilot you trust to keep the Mooney (or whatever you buy) exercised for you. Then we make it into an owner-flown policy once you take your private checkride.

I would not do this. I'm a CFI and an insurance broker. Spend your time training and don't risk a maintenance item interrupting your training. Make your hard landings in a training aircraft The insurance options for a student pilot in a Mooney are exceptionally limited (and there are some undesirable coverage limitations with these carriers) and the companies I know of that would insure this model for a student aren't approved to write policies in California. Maybe one of them would do it, but I think there's a minimum hull they need and this won't meet that. There are certain mistakes that a CFI can let you get into in a training aircraft were the learning experience would be much earlier disrupted because it's more likely to have a result in aircraft damage for a Mooney if the mistake gets too deep. If you absolutely want to get an airplane and you want something with more capability than a C172 or 160/180 horsepower Piper, get a Cessna 182 or 235 horsepower Piper (Dakota etc). They're insurable for you as a student...and insurable with an insurance company & policy form you'd actually want. But really focus on learning to fly and not learning to own...

What they want vs what will happen are two entirely different things. Especially with more insurance underwriting companies coming into the market...

Here's an article from Milliman providing insight into general aviation underwriting results from state-admitted insurance companies for 2022. The way I read this, there's a bit of airline exposure in here too, because there are some US-admitted insurers participating on small line slips for the airlines, too. https://www.milliman.com/en/insight/us-general-aviation-admitted-market-summary-2022-statutory-financial-results

Nothing before you buy. Just buy and fly (a lot) your first year.