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Aviation Insurance — CLEAR Report
Aviation policies are among the most technical — and most misunderstood.
Your CLEAR Report analyzes the exact language in your aviation policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.
What We Analyze
→Pilot warranty compliance and currency requirements
→Open pilot provision terms
→Hull value: agreed vs. ACV
→Liability limits: per-occurrence and passenger sub-limits
→Use limitations: personal, business, instruction
→Geographic territory restrictions
→Medical certificate compliance requirements
→War and terrorism exclusions
Industry Reality Check
What the data actually shows.
40%
of aviation claims involve a pilot warranty violation
$2M+
average liability exposure in a general aviation incident
1 in 3
private pilots operate outside their policy use classification
60%
of hull claims are settled below replacement value
Common Coverage Gaps
Where aviation policies typically fall short.
Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.
Gap 01
Pilot warranty compliance and currency requirements
Gap 02
Open pilot provision terms
Gap 03
Hull value: agreed vs. ACV
Your Report Framework
The CLEAR Report — 5 Core Areas
Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.
C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.
Report Structure
9 Sections. Every policy. Every time.
01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.
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