Member Insurance Claims Breakdown

Where have the claims come from?

USHPA has two insurance policies. A General Liability Policy and a Professional Liability Policy. Here is the claims breakdown under each policy that our insurer uses to determine rates.

  1. General Liability Policy. This is the policy that covers pilots when they fly recreationally, covers the chapters for their operations, and covers landowners of the sites managed by chapters that are flown recreationally by member pilots.

    General Liability Claims

    Type of Claim% of Total Claims% of Total Claims Amount
    Glider Hits Parked Car, Airplane or Structure59%17%
    Glider Hits Power Lines19%4%
    Claimant Injured by Chapter Activities11%43%
    Pilot Injured in Mid-Air Collision3%1%
    Glider Hits Spectator5%34%
    Pilot Injured While Towing3%1%
  2. Professional Liability Policy. This is the policy that covers instructors (not flight schools) when they perform solo or tandem instruction. This policy does not cover the liability of flight schools. This policy currently covers both commercial and non-commercial instruction. Under the RRG, this policy would only cover commercial instruction if the instructor is working for a PASA Certified Flight School.

    Professional Liability Claims

    Type of Claim% of Total Claims% of Total Claims Amount
    Tandem Instruction43%74%
    Solo Instruction57%26%
  3. Proportion of Hang Gliding and Paragliding Claims. Approximately 40% of the claims on both types of policies have been from Hang Gliding and 60% from Paragliding. This mirrors the USHPA membership. USHPA currently has 43% Hang Gliding member and 57% Paragliding members.

 

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