For Flight Schools

Here are a few of the key features of Recreation RRG coverage:

• Flexible Limits

  Per-incident and aggregate limits of $250,000 minimum, with increased limits available at $500,000 and $1 million. Today's cost for legal defense in even a simple case can easily surpass $50,000. These limits mean that you're covered for a solid defense in case of a claim against you. 

• Occurrence-based Coverage

  Unlike some insurance carriers, Recreation RRG writes occurrence coverage which covers you regardless of when a claim is made. Other insurers may offer you a "claims made" policy, which applies only to claims made against you in a given policy year, for an incident that happens within that same policy year. If an accident happens and the plaintiff waits to file a suit until some future policy year, you will have no coverage unless you have purchased "extended reporting period" coverage for an additional premium. That leaves you with no coverage and nowhere else to obtain it. It is rare for an accident to result in a claim or a lawsuit within the same year; usually it takes two to three years. Occurrence coverage means that if you are insured in a year when an incident happens, you are covered for any claim that results, even if it is years later before it's filed.

• No sub-limits.

  There are no per-person sub-limits on Recreation RRG policies. The per-incident and aggregate coverage you choose is the true level of coverage. Other insurers may offer policies with per-person sub-limits as low as $50,000, even though they're sold as "million dollar" policies. While that may be true in theory, in practice there is no practical way that a hang gliding or paragliding accident is going to injure twenty people all at once. It's almost always just one person who's injured, and in that case the real value of a policy with a sub-limit is much lower. For example, if you are flying with a tandem student who breaks a leg on landing and sues you, the most that a sub-limit policy will pay is the sub-limit value, not the per-occurrence limit. If you manage to crash into a crowd of people and injure a half-dozen of them, then each of the injured people's claims against you would be capped at the sub-limit value, and the total of all the claims is capped at the per-incident value of your policy. Policies written by Recreation RRG do not have per-person sub-limits, and all claims related to a given incident are capped only by the per-incident limit of your policy.

• Landowner Coverage

  You can add one or more landowners as additional insureds on your school policy, to allow for instruction at sites where USHPA has additional insured landowners. USHPA's policy exclues the risks related to for hire and for compensation operations. Your school policy can add a landowner to protect them for commercial activity of your school. This is a requirement for your school to operate at a site where USHPA has added a landowner as additional insured on its policy.

• Coverage Crafted For Hang Gliding/Paragliding

  Recreation RRG coverage is tailored specifically to the needs of hang glider and paraglider pilots and instructors. It has no hidden exclusions for "aircraft" or similar clauses that would allow denial of a claim just because it involved the use of a hang glider or paraglider.