The document outlines a webinar presentation by Blais Aviation Insurance Services, focusing on the application process for general aviation insurance and the various factors underwriters consider when assessing risk. It includes specific applications for pilot and aircraft details, pilot qualifications, and required disclosures related to aviation accidents and medical conditions. Additionally, it provides a comprehensive list of aviation-related abbreviations and terminologies relevant to the insurance application process.

1. THE GENERAL AVIATION
RISK APPLICATION
WEBINAR
Presented by:
BLAIS AVIATION INSURANCE SERVICES
JANUARY 28, 2010
WWW.BLAIS AVIATION.COM
1

2. AVIATION INSURANCE
APPLICATIONS
There are a number of aviation exposures and each has
its own application(s). This webinar will focus on the
general aviation exposure application and pilot
questionnaire. You can view the various applications by
visiting the Blais Aviation Insurance Services website.
www.blaisaviation.com
2

3. TYPES OF AVIATION EXPOSURES
PLEASURE &
INDUSTRIAL AID BUSINESS
SINGLE ENGINE
3

4. TYPES OF AVIATION EXPOSURES
PLEASURE &
PLEASURE & BUSINESS BUSINESS
ROTORWING MULTI ENGINE
4

5. TYPES OF AVIATION EXPOSURES
AEROBATIC
STUDENT PILOTS
5

6. TYPES OF AVIATION EXPOSURES
WARBIRDS
AIRSHOWS
6

7. TYPES OF AVIATION EXPOSURES
LARGE AIRPORTS
SMALL AIRPORTS
7

8. TYPES OF AVIATION EXPOSURES
MANUFACTURES
PRODUCTS
FIXED BASED COMPLETED
OPERATORS FBO’S OPERATIONS
8

9. AVIATION UNDERWRITING & ANALYSIS
Every aviation insurance underwriter has
slightly different guidelines he/she follows to
arrive at a rate, but virtually without exception
they all take the following into consideration
somewhere in their deliberations. Each factor,
to the Underwriter, represents a change in the
chance of an accident or affects his/her
chances of profit from your policy.
9

10. KEY FACTORS AVIATION UNDERWRITERS CONSIDER
• What kind of aircraft & age
• Avionics – Control Panel
• Value
• Common locations flown to
• Who are the pilots – skills!
• How is the aircraft used
• Where is the aircraft kept
• Claim data
10

11. THE COMPONENTS OF AVIATION
UNDERWRITING
Pleasure & Business
Industrial Aid Student
Instructional – Rental Private
Charter Commercial
Pipeline Patrol ATP
Power Line Patrol AIRCRAFT Instrument
Crop Dusting Instructor
Banner Towing Type Rating
Total Hours
Make & Model Hours
Single Engine Land Multi Engine Land
Single Engine Sea Multi Engine Sea
Turbo Prop Turbo Jet
Complex Avionics Unusual Characistics
11

12. FOR GENERAL AVIATION RISKS
UNDERWRITERS WILL REQUIRE
THE FOLLOWING APPLICATIONS
PILOT QUESTIONNAIRE
&
AIRCRAFT APPLICATION
12

13. PILOT QUESTIONNAIRE
Name of Aircraft Owner:
Name of Pilot: Date of Birth:
Address:
Pilot’s Occupation:
Employer: Date Employed:
13

14. PILOT QUESTIONNAIRE
Check All Certificates and Ratings Currently Held
( ) Student ( ) Airline Transport ( ) Rotorwing ( ) Type Rating
(Specify Aircraft)
( ) Private ( ) Single Engine Land ( ) Centerline Thrust
( ) Instrument ( ) Single Engine Sea ( ) Mechanic Airframe
( ) Commercial ( ) Multi Engine Land ( ) Mechanic Powerplant
( ) Instructor ( ) Multi Engine Sea ( ) Other (Specify)
14

15. Airman’s Certificate No: Date Certified:
If Student: (Name of instructor or FBO) - (Instruction airport location)
Date of Last Medical: Class of Medical:
Medical Waivers ( ) Yes ( ) No If Yes please explain:
Date of Last Biennial Type of Aircraft Date of Last Simulator
Review : Used: Instruction:
Manufacturers Ground and Attended and Dates:
AOPA Membership #: EAA Membership #:
PILOT QUESTIONNAIRE 15

16. PILOT QUESTIONNAIRE
EDUCATION
High School: College: Graduate School
1. ( ) 2. ( ) 3. ( ) 4. ( ) 1. ( ) 2. ( ) 3 ( ) 4.( ) 1. ( ) 2. ( ) 3 ( ) 4.( )
Name Of School Years Attended Did You Graduate?
16

17. PILOT QUESTIONNAIRE
FLYING EXPERIENCE
Please show flying experience in logged hours.
Do not group different aircraft of the same type in
the category for the make and model on which
approval is being sought. If hours can not be
substantiated by log books, please explain how
hours have been verified/reconstructed.
17

18. PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Single Engine Aircraft
Make and Model of Aircraft Pilot in Co-Pilot Total Time Total Last 12 Total Last 90
Command Months Days
Total Single Engine:
18

19. PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Multi Engine Aircraft & Jet Aircraft
Make and Model of Pilot in Co- Total Total Last Total Last
Aircraft Command Pilot Time 12 Months 90 Days
Total Multi-Engine:
19

20. PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Seaplanes and Helicopters
Make and Model Pilot in Co-Pilot Total Total Last Total Last
of Aircraft Command Time 12 Months 90 Days
Total Sea/Helo. :
20

21. PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Single Engine Aircraft
Make and Model of Aircraft Pilot in Co-Pilot Total Time Total Last 12 Total Last 90
Command Months Days
Total Single Engine:
Multi Engine Aircraft & Jet Aircraft
Make and Model of Aircraft Pilot in Co-Pilot Total Time Total Last 12 Total Last 90
Command Months Days
Total Multi-Engine:
Seaplanes and Helicopters
Make and Model of Aircraft Pilot in Co-Pilot Total Time Total Last 12 Total Last 90
Command Months Days
Total Sea/Helo.:
Grand Total
21

22. PILOT QUESTIONNAIRE
AIRCRAFT ACCIDENTS
Have you ever been involved in an aircraft accident?
( ) Yes ( ) No
If Yes please explain:
Location Date Make and Model Remarks
22

23. PILOT QUESTIONNAIRE
Please Explain Circumstances:
1.If you have a physical impairment, waiver, limitation, or conditions on your
Medical or Pilot Certificate.
2.If an FAA, Transport Canada, Military Pilot or other similar Certificate held by
you has been suspended or revoked.
3.If you have ever been cited for a violation of any aviation regulation in any
country.
4.If you have ever been convicted of or pleaded guilty to a felony or driving
while intoxicated.
Explanations:
23

24. PILOT QUESTIONNAIRE
Name of Agent or Broker:
Address:
All particulars herein are declared to be true and complete to the best of my/our
knowledge and no information has been withheld or omitted. I/We agree that this
application and the terms and conditions of the policy in use by the insurer shall be the
basis of any contract between Me/Us and the Insurer. I herby authorize the insurer to
investigate all or any qualifications and/or statements contained herein.
Date: Applicant’s Signature (s):
THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR
MAKE THE APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE
COMPANY AGREES TO EFFECT THE INSURANCE.
24

25. AIRCRAFT INSURANCE APPLICATION
BLAIS AVIATION Agent or Broker
INSURANCE SERVICES Address
Phone: 972-818-4090
Fax 972-818-4088 Phone
www.blaisaviation.com Fax
E-Mail
Named Insured & Address: Current Insurance Company:
E-Mail Address: Effective Date:
Business Occupation:
Insurance is requested from: 12:01 AM to 12:01 AM
Phone: Residence ( ) Phone: Business ( ) Phone: Fax ( )
E-Mail Address:
25

26. AIRCRAFT INSURANCE APPLICATION
AIRCRAFT
Year, Make & Model FAA Total Engine Engine
Number Seats Hours Horsepower
26

27. AIRCRAFT INSURANCE APPLICATION
AIRCRAFT
Aircraft usually based and ( ) Hangered ( ) Tied Down at (City &
State):________________________________________________
Airport: __________________________________
( ) Private Airport ( ) Public Airport
Paved Runways Yes ( ) No ( )
Are any flights contemplated outside continental U.S.? ( ) Yes ( ) No
If “Yes”, where: _____________________________________
27

28. AIRCRAFT INSURANCE APPLICATION
COVERAGES AND LIMITS
LIABILITY COVERAGE LIMITS
Each Person Each Occurrence
Premiums
A. Bodily Injury, excluding passengers $ $ $
B. Passenger Bodily Injury $ $ $
C. Property Damage XXXXXX $ $
D. Combined Single Limit Bodily Injury and Limiting Each $
Property Damage, ( ) person or ( ) Passenger to $
( ) Including Passengers ( ) Excluding $ Each Occurrence
Passengers
E. Medical Payments: ___including Crew $ $ $
PHYSICAL DAMAGE COVERAGE Insured Value Deductible
F. While Not In Motion $ $ $
G. While In Motion $ $ $
Other $
28

29. AIRCRAFT INSURANCE APPLICATION
USAGE AND OPERATION
( ) Pleasure and Business
( ) Industrial Aid
( ) Limited Commercial
( ) Commercial Excluding Instruction & Rental
( ) Commercial
( ) Flying Club
( ) Low Altitude Photography
( ) Air Ambulance
( ) Air Hearse
( ) Patrol Flights
( ) Banner Towing
( ) Crop Dusting
( ) Instruction of: (Name of Student):
( ) Special Uses – Please Describe:
29

30. AIRCRAFT INSURANCE APPLICATION
OWNERSHIP INFORMATION
Applicant is:
( ) Sole Owner
( ) Owner subject to mortgage or conditional sales contract.
( ) Lessee ( ) Other – explain
Applicant is:
( ) Individual ( ) Corporation ( ) Limited Liability Corporation
( ) Co-Ownership/Partnership
If aircraft is encumbered, name and address of lienholder or lessor:
Amount of encumbrance (excluding interest and finance chargers):$
Will Lienholder’s Interest be required by lienholder? ( ) Yes ( ) No
30

31. PILOT INFORMATION
Pilot No. 1 Pilot No. 2 Pilot No. 3
AIRCRAFT INSURANCE APPLICATION
PILOT
NAME Date Certification (s) Medical Hours Logged as Pilot in
OF Of & Ratings Certificate Command
PILOT Birth Please List Date
Class All Aircraft
Make and Model
Total
SEL
MEL
Total
Last 90 days
12 Months
31

32. PILOT INFORMATION
Pilot No. 1 Pilot No. 2 Pilot No. 3
AIRCRAFT INSURANCE APPLICATION
PILOT
FAA Certificate Number
Date of Last Biennial Flight Review
Details of other proficiency training
Name and address of pilot’s employer if other than applicant:
Pilots AOPA or EAA Membership Number/s if a member:
32

33. AIRCRAFT INSURANCE APPLICATION
SUPPLEMENTAL QUESTIONS
Does the aircraft have OTHER than a standard airworthiness certificate in full effect?
Are there any other aircraft owned by the applicant?
Has the aircraft been equipped with modifications not provided by the manufacturer?
Will the aircraft be normally operated in OTHER than paved public airports?
Will the aircraft be used for student or pilot instruction OTHER than for recurrent training of pilots
listed in the “Pilot Information” Section of this application?
Will other than the applicant and pilots listed in the “Pilot Information” Section of this application
have use of the aircraft?
Will aircraft be used for any purpose (s) for which a charge is made?
Is there any unrepaired damage to the aircraft?
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever
been involved in any aircraft accident?
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever
been cited for violation of any aviation regulation in any country?
33

34. AIRCRAFT INSURANCE APPLICATION
SUPPLEMENTAL QUESTIONS
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever had
an FAA, Military, or other pilot certificate suspended or revoked?
Does the applicant or any pilot listed in the “Pilot Information” Section of this application have
any; (a) physical impairments, (b) waivers, limitations, conditions on their medical certificates or
on their airman certificates? If “Yes” please explain.
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever
been convicted of or plead guilty to a felony, possession of drugs, or of driving while intoxicated?
Please Explain any “Yes” answer in the space below or on a separate sheet of paper:
34

35. AIRCRAFT INSURANCE APPLICATION
MINIMUM PILOT REQUIREMENTS
I/We understand and acknowledge that there is no coverage in flight unless the aircraft is
being operated by the pilot(s) designated on this document who has/have at least the
certificates, ratings, and pilot experience indicated, and who, is/are qualified for the flight
involved.
INITIAL .
USE REQUIREMENTS
I/We understand and acknowledge that there is no coverage in flight if the aircraft is used for
any purpose other than the use designated on this document.
INITIAL .
AIRWORTHINESS REQUIREMENTS
I/We understand and acknowledge that there is no coverage in flight unless a standard
airworthiness certificate in full effect
INITIAL
35

36. AIRCRAFT INSURANCE APPLICATION
All particulars herein are declared to be true and complete to the best of my/our knowledge and no
information has been withheld or omitted. I/We agree that this application and the terms and
conditions of the policy in use by the insurer shall be the basis of any contract between Me/Us and
the Insurer. I herby authorize the insurer to investigate all or any qualifications and/or statements
contained herein.
FRAUD WARNING: Any person who knowingly and with intent to defraud any insurance company
or other person files an application for insurance containing any materially false information or
conceals, for the purpose of misleading, information concerning any fact material hereto commits
a fraudulent insurance act, which is a crime.
I/We authorize to represent me/us in placing this
insurance.
Date: _____________________ Applicant’s Signature (s): __________________________
THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE THE
APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE COMPANY AGREES TO
EFFECT THE INSURANCE.
36

37. Make sure you take note
of the pilot warranty
wording
Aircraft
Pilot
PILOT WARRANTY
Other
Location
Use
37

38. HIGH WING AIRCRAFT
38

39. LOW WING AIRCRAFT
39

40. BI PLANE
40

41. AVIATION PHONETIC ALPHABET
My aircraft tail number is 1935 Lima – Tango and I am located on Taxiway
Quebec on the north side of airport Alpha – Delta - Sierra
TRANSLATION
“My aircraft tail number is 1935LT and I am located on Taxiway Q on the
north side of airport ADS”
41

42. CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
A Alfa (AL-FAH)
B Bravo (BRAH-VOH)
C Charlie (CHAR-LEE) or (SHAR-LEE)
D Delta (DELL-TAH)
E Echo (ECK-OH)
The Aviation Phonetic Alphabet
42

43. CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
F FOXTROT (FOX-TROT)
G Golf (GOLF)
H Hotel (HOH-TEL)
I India (IN-DEE-AH)
J Juliet (JEW-LEE-ETT)
K Kilo (KEY-LOH)
The Aviation Phonetic Alphabet
43

44. CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
L Lima (LEE-MAH)
M Mike (MIKE)
N November (NO-VEM-BER)
O Oscar (OSS-CAH)
P Papa (PAH-PAH)
The Aviation Phonetic Alphabet
44

45. CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
Q Quebec (KEH-BECK)
R Romeo (ROW-ME-OH)
S Sierra (SEE-AIR-RAH)
T Tango (TANG-GO)
U Uniform (YOU-NEE-FORM) or (OO-NEE-FORM)
The Aviation Phonetic Alphabet
45

46. CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
V Victor (VIK-TAH)
W Whiskey (WISS-KEY)
X X ray (ECKS-RAY)
Y Yankee (YANK-KEY)
Z Zulu (ZOO-LOO)
The Aviation Phonetic Alphabet
46

47. AVIATION ABBREVIATIONS
“I am willing to insure a CFI who will be using a Fixed CONV SEL to give
Dual to P’s, COM’s, or ATP’s; no SOLO until 10 hours in M&M”
TRANSLATION
I am willing to insure a Certified Flight Instructor who will be using a plane
with non retractable conventional gear with a tail wheel to give training by a
qualified instructor to Private Licensed, Commercial Licensed or Airline
Transport Pilots. There will be no solo flying until 10 hours instruction in the
make and model has been completed.
47

48. AVIATION ABBREVIATIONS
The following abbreviations are found in aviation insurance applications,
policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviations
Page 1 of 11
AMES – Aircraft multi engine, sea
ASES – Aircraft single engine, sea
ATP – Airline Transport Pilot
BFR – Biannual flight review
C – Commercial license
CFI – Certified flight instructor
CFII – Certified flight instructor, instrument
Conv - Conventional landing gear with tail wheel
Dual – training given by a qualified instructor
48

49. AVIATION ABBREVIATIONS
The following abbreviations are found in aviation insurance applications,
policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviations
Page 2 of 11
Fixed – non-retractable landing gear
Fixed tri – Fixed tri-cycle landing gear
FR – Flight review
G & F – ground and flight
GNIM – ground not in motion
GNIF – Ground not in flight
G & T – Ground and taxi
Heli – helicopter or rotor wing
Hr - Hours
49

50. AVIATION ABBREVIATIONS
The following abbreviations are found in aviation insurance applications,
policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviations
Page 3 of 11
I – Instrument rated
IFR – Instrument rated
ICC – Instrument competency check
IPC – Instrument proficiency check
M – multi engine
Med – medical payments
Med pay – medical payments
ME – Multi engine
MEL – Multi engine land
MEI – Multi engine instructor
MM – Make and model
M & M – Make and model
50

51. AVIATION ABBREVIATIONS
The following abbreviations are found in aviation insurance applications,
policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviations
Page 4 of 11
OPW – Open pilot warranty
P – Private license
Pax - Passengers
PIC - Pilot in command
RG – Retractable gear
Rotor – Helicopter or rotorcraft
RW – Rotor wing
SE – Single engine
SEL – Single engine land
SES – Single engine sea
SIC – Second in command
Solo – no passengers or flight instructor in aircraft
51

52. AVIATION ABBREVIATIONS
The following abbreviations are found in aviation insurance applications,
policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviations
Page 5 of 11
TO – Take off
TO & L – Take off and landings
TRI – Tri-gear
TW – Tailwheel
TT – Total time
TTL – Total time logged
52

53. AIRCRAFT ABBREVIATION
Page 6 OF 11
0SFRM - zero time since a factory remanufacture
0SMOH - Zero time since major engine overhaul
FWF - Firewall forward
MDH - major damage history
NDH - No damage history
53

54. AIRCRAFT ABBREVIATION
Page 7 OF 11
SCMOH - Since chrome cylinder major overhaul
SFRM - Since factory remanufacture
SMOH - Since major engine overhaul
SOH - since engine overhaul (not necessarily a major)
SPOH - Since prop overhaul
STOH - Since top overhaul (pistons, cylinders and valve train)
54

55. AIRCRAFT ABBREVIATION
Page 8 of 11
TBO - Time between overhauls (factory recommendations)
TT - Total time
TTA - Total time on the airframe
TTAE - Total time on the airframe and engine
TTE - Total time on the engine
TTSN - Total time since new
55

56. AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONS
Page 9 of 11
Amp - Amperage of the alternator (electrical system rating)
Alt - Alternator
AOC - Angle of climb
C/S - Constant speed (governed speed, adjustable pitch) propeller
Cu. In. - Cubic inches displacement of engines
Fixed tri gear - non retractable tricycle landing gear with a nose wheel
F/P - Fixed pitch (non adjustable) propeller
FPM - Feet per minute (usually regarding climb)
56

57. AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONS
Page 10 of 11
Gen - Generator
GPH - Gallons per hour MPH - Miles per hour
HP - Horsepower of engine
KTS - Knots (1 knot = 1.151 statue miles per hour, or 1852 kilometers per hour)
L/R - Long-range fuel
NM - Nautical mile = approximately 6,080 ft.
Oct. - Octane rating of fuel.
57

58. AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONS
Page 11 of 11
PSI - Pounds per square inch (tire and strut pressure)
Ret. tri gear - Retractable tricycle landing gear with a nose wheel
ROC - Rate of climb
SM - Statue mile = 5,280 ft.
Sq. Ft. - Square feet regarding wing area.
STD - Standard fuel
V – Volts
Vis - Viscosity of oil
58

59. AVIATION APPLICATION
QUESTION – ANSWER
SESSION
59

60. Blais Aviation Insurance Services
(A division of Blais Excess & Surplus Agency of Texas, Ltd.)
A wholesale specialty facility dedicated to serve as an
agent/brokers backroom in the design, placement and
service of aviation insurance.
www.blaisaviation.com
Dallas 972 818-4090
Houston 713 780-7787
Austin 512 894-3460
60