It's all about loss experience and exposure. Aircraft accidents tend to be
dramatic, newsworthy and expensive.

Many employers will tell you that their carrier has dropped them for much,
much less than an aircraft accident. I don't know whether the policy in the
one WC aircraft accident I handled was renewed, but I doubt it. Not
necessarily because it was an aircraft accident, but because it was a death
claim for a high wage-earner. And a death claim is chump change compared to
what a catastrophic injury would cost.

"Gig 601XL Builder" wrDOTgiaconaATcox.net wrote in message
...
Oh, the policy will pay the claim if it is work related. But they will
cancel at the next renewal or sooner. If you look at the first question on
the standard ACCORD application there is a question. "Do you own operate
or lease Aircraft or Watercraft?" As an attorney I'm sure you know that
there are laws against lying on an insurance application.

In the voluntary work comp market carriers can choose the risks they are
willing to underwrite in many cases they choose not to underwrite
companies that operate aircraft.


"LWG" wrote in message
. ..
I don't think so. State law defines what a compensable injury is for the
purposes of workers' compensation. Workers' compensation insurance
policies must hew to that statutory line. In twenty-eight years of
practice, I have not seen any state laws which bar compensation for the
use of any particular mode of transportation, so long as the use of the
transportation "arises out of" and is "in the course of" the employee's
employment. I have personally defended an employer and insurer where the
employee died as a result of the crash of a helicopter he owned and
operated. There was no question of compensability or coverage.

If you change the statement from workers' compensation to CGL, you may be
right-- without the appropriate rider.

I fly in my current employment to get to and from hearings. The firm I
was with previously was very much against my use of an airplane while on
firm business. My new firm has no reservations which have been expressed
to me. I can handle hearings in opposite corners of the state, a feat
impossible without flying.

Is my company misguided or do they really have some liability if I use
my airplane instead of my car for regional travel? What's the
difference between me crashing my airplane into a school (their
example) or plowing my car into the same school's bus stop?

Steve
CP - ASEL/IA
PA28-151
N43291


There are MANY workers' compensation policies that specifically ban
covered employees from flying in non-commercial aircraft.