Airside Liability Insurance – How are Premiums Calculated?

Standalone airside liability insurance is necessary, as most standard and motor liability insurers have an exclusion relating to any work that is carried out airside. Airside is normally defined as the side of the airport terminal that is beyond passport or custom control.

An airside liability policy will normally offer cover for:-

  • Motor vehicle property damage
  • Motor vehicle bodily injury
  • General public liability

It may also be possible to insure war and allied perils coverage in respect of liability, this is achieved through a write-back endorsement to the Aviation Liability coverage (AVN52).

In terms of the motor insurance liabilities, the rating factors are:

  • The size and number of vehicles being used airside
  • The proximity to aircraft – Within 20 metres will normally attract a higher rate
  • The required indemnity limit – Limits from £5M to £100M are generally available
  • Whether annual or short period cover is required

In terms of the general liabilities the rating factors are:

  • The type of work being undertaken
  • If there is use of a heat application
  • If there is a necessity to board an aircraft
  • If there is use of mechanically propelled plant/cranes
  • The contract value
  • The number of employees that are airside
  • The required indemnity limit
  • Whether annual or short period cover is required

Businesses working airside may also need to consider aviation products liability insurance, a good example would be companies offering de-icing services.

For more information about airside liability please contact our specialist, Tony Gibbs on 0118 916 5485 or complete one of our enquiry forms.

*Information correct as of 1st May 2016

Author: Tony Gibbs | December 11th, 2013

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Tony Gibbs
Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767