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Well a few weeks ago for grins I called and got a quote. Well to be honest
it was more like a rough idea from the underwriter. I used a Cessna 150/152
and a hull value of about 20K. I gave him my flight times. For 1,000,000
liability and 20K on the hull, if its just me flying it for recreation and
personal business. $450. If I used it doing aerial photography, the rate
went up to about $1000. If I put the same airplane under rental and
instruction, and teach in it, it was between $2500-3000 ouch. Your quotes
will vary but it should give you an idea.

The real thing to watch now and I almost got caught is many rental
operations are dropping their hull coverage. If something happens you are
on the hook, and with no other coverage in place the airplane owner WILL sue
to get his airplane fixed. Renters insurance is very expensive for an
instructor as well. Give you an idea I got a quote for instructors rental
policy. For only 250,000 liability and 20,000 hull liability damage it was
right at $500. A professional liability policy could be added for another
$75. (That would give professional liability coverage for the amount of you
liability limit which in my case was $250,000) Trouble is that the airplane
I wanted to train in ( a 92 Tampico is maybe a 79-90k airplane) $20,000
would replace it. To cover that it would take about $1000 a year. The sad
thing is I really enjoy instructing. I want to continue and have about
2000hrs over 1000 are dual given. Choosing between a well maintained
airplane or one with insurance may be my choice if I do what I enjoy. Its
looking like my greeter at Walmart career might be starting a little sooner
than I planned. I always figured it would be my health that would make me
hang it up. I hope it still can be. I am practicing up. Paper or plastic

Mark Blackwell


"Ron Natalie" wrote in message
news:3AA8D71C.F04D5F0A@spamcop.net...
>
>
> JGalban wrote:
> >
> > >Ron Natalie wrote :
> >
> > >Depends what the hull value is. Back a few years ago, it was running
about
> > >3x what a personal policy was running.
> >
> > If it was that a couple of years ago its probably 5 or 6x now.
Commercial
> > rates went up between 75% and 100% just last year.
> >
> Yes, I dont know. I ceased to be involved when the carriers just
> stopped insuring (commercially) taildraggers and other older ships
> (like my Navion) for commercial purposes.

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