Another pilot grounded by insurance

By this time tomorrow I will probably be posting my good-by to this
group and the most interesting and rewarding adventure of my life.

During an insurance review today we learned that our umbrella policy
will only cover aircraft risks if I also have an aviation policy that
covers each person up to $1,000,000. The club Avemco policy has a
$100,000 per person limit and they tell me there is no way it could be
bumped up for club coverage. They also doubt that I could find
personal coverage in that amount. Even if I could, the Liberty Mutual
would want about as much as renters insurance to add aviation risks to
the umbrella. Not needing to carry that cost has been a key to
aviation for this financially marginal pilot. With two kids too close
to college for us to recover from a major economic hit, we can’t take
the risk on not having the umbrella as well as the club insurance.

I’m pretty sure that the solution does not lie with the aviation
insurance having done an alternate insurance search for the club a
year or so ago. My only hope is to find an umbrella carrier that will
accept the limits now standard in aviation. If anyone knows of one
that will, I would like to hear about it. Otherwise, check back here
in a couple days for a list of headsets and other stuff for sale.

--

Roger Long