17 - Flight School Insurance with Avemco Insurance

Common Risks for Flight SchoolsOne of the biggest risks flight schools face is aircraft damage, especially during solo flights or early-stage instruction. Other frequent issues include student pilot errors, incomplete coverage, and weak renter agreements. Kim shares real-life claims—including gear-up landings and crosswind loss-of-control incidents—to demonstrate how quickly problems can escalate without proper coverage.Avoiding Policy Pitfalls as You GrowMany schools mistakenly believe a basic policy is enough. Kim explains how insurance needs evolve as a school expands its fleet, adds instructors, or opens new locations. Annual policy reviews and partnering with aviation-specific providers like Avemco can help avoid both underinsurance and unnecessary expenses.Coverage for Students and RentersWhen a student damages an aircraft, liability depends on the school’s structure. Kim emphasizes the importance of requiring non-owned aircraft coverage from students and renters. To avoid confusion, schools should outline coverage expectations clearly—via orientations, rental agreements, and formal policies.