Hangar Liability Insurance

[Skywarrior]

Hello, all -

Want to move to a new airport to get a better hangar - one that's not water-soaked.

The new hangar's owner wants me to show proof of Liability insurance. No problem, I say. He says it has to name him as an additional insured. Again, I say no problem. My aircraft insurer is willing to add the hangar's owner as an additional insured, but will not agree to a Waiver of Abrogation. I don't know if the hangar owner will agree to this.

Anybody else dealt with this liability issue? Any recommendations?

Chuck M.

Douglasville, GA

[danb35]

If he is an additional insured, there's no need for a waiver of subrogation--an insurance company can't subrogate against an insured.

[tony]

Chuck is Peggy asking for that? 

[Skywarrior]

Quote: tony

Chuck is Peggy asking for that? 

[Shadrach]

sorry, I don't have a hanger (just a covered tie down), but is this normal?  i would be hesistant to add a hanger owner as an additional insured on my airplane.  his hours, licensing and hours in a mooney then would effect my insurance rate.  also, in my case, we are maxed out on named insured (because we have a partner) for the policy.  this might not be the case with you, but this still seems like an odd request for someone who you don't plan on having fly your airplane.  or maybe i might misunderstand the question.

[Shadrach]

Ah, that was Becca, not Shadrach, guess that bug isn't fixed.

[danb35]

I would presume (though it should be verified) that the reason for wanting to be an additional insured is with respect to liability--if anything in the hangar causes damage to anyone else, the owner wants to be covered for that damage (as well as any damage to the hangar itself).  I can't imagine any reason that the hangar owner should be covered as a pilot.

[N601RX]

I think the hanger owner is wanting protection from any damage the hanger might do to the aircraft.  We recently had a hanger door come off the tracks and damage a plane at our airport durring some wind.

[Shadrach]

but your insurance already covers you for damage to your airplane while not in operation - including hanger accidents - right?  without having the hanger owner named?  plus the hanger owner should be carrying his own insurance on the set of hangers.  something smells fishy about the whole thing.  can you name someone on your insurance separately from naming them as a pilot?  it seems parker would have something to say here.

[Shadrach]

and that was becca again.

 

[danb35]

Becca, you'll need to log out--in the upper right corner, you'll see a link that says "Logout [shadrach]".  Click that, then log in as you.

[DonMuncy]

The hangar owner wants you to pay to protect him from all the problems he can. If his door falls on your plane, your insurance will pay you for the repairs. But then your insurance company has the right to go after the hangar owner to recoup what they paid; unless he is an additional insured, in which case they can't.  Good for the hangar owner; bad for your insurer.

If someone is hurt due to the use of your hangar, they may go after both the hangar owner and you. If the owner is an additional insured, your policy will defend both of you.

I personally don't like the idea of a commercial hangar owner forcing you to pay for insurance to cover them. However, this is a fairly commom clause in hangar leases, and you may not have a choice. That is, if you don't provide the insurance, they may not lease to you. Ideally, you could strike that papagraph form the lease before signing, but you may be looking for an new place to hangar. 

Don

[Parker_Woodruff]

Is this an FBO or an individual's hangar?

Is the aircraft in their care/custody/control (more likely with an FBO).  Are they responsible for pushing it in/out of a hangar?

[Ron McBride]

I own my hanger and lease the ground from the County.  I am also in CA. The County requires to be named as additional insured in my  case.  This protects them from liability if anything happens in my hanger, or on there runway. I have switched insurance companies, and neither company had a problem with this, or charged an extra fee.

Ron

[mooniac58]

Quote: Shadrach

Ah, that was Becca, not Shadrach, guess that bug isn't fixed.

 After you logout and back in let me know if this happens again.  It might require each person seeing this to logout/in in order to clear the old cookies from your browser that are likely the problem.  Thanks!

[Skywarrior]

Parker -

This hangar is owned by a real estate developer, but the land is the county's (county airport). FBO has a totally separate operation. This would be a 'personal' hanger, bunched next to about 15 other hangars.