That restriction is pretty standard on insurance policies.
EAA does have a scheme that covers all Experimentals,
I believe it only offers $100K AD+D. Perhaps you could
buy two policies ?

FAA does not approve commercial use of Experimentals
[which makes life awkward for rentals from FBOs] though
this is not universally enforced - but what an insurance
company would say in the event of a claim is unknown.
Best to restrict your instruction to certified two-seaters
if you can.

An affordable new certified two-seater would be a blessing.

Ian




At 15:00 19 January 2008, Phillip Laberge wrote:
I just had a rude shock when checking my life insurance
that I carry
expressly for flying light airplanes. I am not covered
while flying my
ASW-20 because it is in the Experimental Category.
The intent of the
restriction is to deny covereage to pilots flying homebuilt
aircraft.
The fact that our ASW-20s are licensed in Germany,
are production
aircraft, not amateur built aircraft, fell on deaf
ears. No coverage
for Experimental aircraft and that includes a blanket
restriction on
all categories of Experimental aircraft....research
and development
(put winglets on your Standard Airworthiness category
glider and you
become Experimental/ Research and Development ) airshow-exhibition

category, amateur built category, etc.etc.
Anyone else out there have this same experience with
their insurance?
You can get up to $200K of accidental death and dismemberment
insurance from the AOPA if you are a member and it
does not restrict
us from flying Experimental aircraft or gliders, but
it does restrict
us from doing any commercial flying.So if you are flight
instructing
in the back seat of a Blanik, you are NOT covered.
Phillip LaBerge