California Property & Casualty Broker-AgentMiscellaneousMedium
A commercial airline's aviation liability policy includes 'Passenger Liability' coverage. Which of the following losses would this coverage specifically address?
- ALoss of cargo belonging to a third-party shipper during a flight.
- BDamage to the aircraft itself due to a mechanical failure.
- CInjury to a passenger during boarding caused by a slip and fall on the jet bridge.
- DDamage to airport property caused by the aircraft during taxiing.
Show answer & explanationAnswer & explanation
Correct answer: C. Injury to a passenger during boarding caused by a slip and fall on the jet bridge.
Passenger Liability coverage in an aviation policy specifically covers bodily injury or death suffered by passengers while on board, entering, or exiting the aircraft. A slip and fall during boarding directly falls under this scope.
Why the other options are wrong
- A. This would be covered by cargo legal liability coverage.
- B. This would be covered by aviation hull damage coverage.
- D. This would be covered by third-party liability (non-passenger bodily injury/property damage) coverage.
Aviation Passenger Liability
A component of aviation liability insurance that covers the legal liability of an airline or aircraft operator for bodily injury or death sustained by passengers.
- Covers bodily injury or death of passengers
- Applies while on board, or during boarding/alighting
- Distinct from third-party liability (non-passengers)
Memory trick: PASSENGER liability cares for PEOPLE on the PLANE.