They are not making a claim against your policy to be listed as additional
insured.. They are asking to be covered under your policy if your aircraft
is involved in something where they could also be named at fault.

You replaced their tie down chain with a rope.. in a storm the rope fails
and your aircraft damages someone else's aircraft.. they get blamed for
allowing you to change the chain to a rope.. your poor choice of rope.. they
get covered by your policy for your error.. and in this case their error for
not catching that you swapped out their equipment (chains) for your own
(rope).

BT

"Chris" wrote in message
om...
"C J Campbell" wrote in message
...
Despite what others have posted, this is a very common requirement and
insurance companies always grant it. It is not, however, in your best
interest, since it dilutes your insurance coverage.

My concern is the FBO could make a claim without anything actually
happening. I.E. blame me for something I didn't do. While I know the
insurance company should investigate this they may not. It seems in
most instances like this if my plane damaged something the FBO's
insurance would cover this and then their insurance company would go
after my insurance for the claim. Typical scenario is an aircraft
renter damages an airplane. I don't like what appears to be the easy
ability to make a claim against my policy from a third party.

Thanks for the comments so far.

- CK