Provides physical damage to airplanes and/or helicopters that are owned, used by, or rented to the
State of Louisiana. The deductible is $250 per occurrence.
The coverage protects the State, the insured budget agency, and its employees (pilots) against bodily
injury and property damage claims arising from the ownership and/or operation of airplanes/helicopters
which are owned, used by, or rented to the State. There is no deductible for this coverage.
This policy covers the State against bodily injury and property damage claims arising from the
ownership and/or operations of a state owned airport. There is no deductible for this coverage. If the
State supplies hangar space (rental or otherwise) for aircraft not owned by the State, additional
hangarkeepers liability coverage is available upon request under this airport policy. The current limits
available are $100,000 per airplane/$200,000 per occurrence. Again, this coverage for hangarkeepers
liability is not automatic and needs to be requested in writing.
The aircraft is covered within the United States (excluding Alaska and Hawaii), Canada, Mexico, and
while enroute between these points.
GROUNDED VS FLYING:
"Grounded" aircraft have less liability exposure than "flying" aircraft. These "grounded" aircraft are
utilized only as training aids and are not flown. If an airplane is insured only for "grounded" coverage,
it can be "taxied" but not flown until the insurance coverage is amended to a "flying" status. For helicopters/rotorcraft, "flying" means the aircraft is moving on the ground or in the air as a result of
engine power or auto-rotation. Again, each agency must notify the Office of Risk Management if the
status of the airplane or helicopter is changed from " grounded" to "flying" to ensure proper coverage.
ACQUISITION OF NEW OR USED AIRCRAFT:
Each new or used aircraft should be reported directly to the Office of Risk Management at acquisition.
Coverage is not automatic. The Office of Risk Management has 30 days to insure the aircraft once it is owned or leased by the State. Promptly report these aircraft additions/deletions to Melissa Harris
at (504) 342-8469.
REPORTING OF NON-OWNED AIRCRAFT EXPOSURES:
Periodically, the State charters aircraft for transportation of athletes to and from games, athlete recruiting trips, aerial surveys, storm damage assessments, crop damage estimates, wildlife survey
counts, etc. These flights are considered non-owned aircraft exposures. These exposures do not include the purchase of tickets on commercial airlines. All non-owned exposures should be reported
annually to the Office of Risk Management. In the report, please include the type of aircraft (airplane
or helicopter), the department that chartered the aircraft (if applicable), the service performed, the
charter dates, the total cost, and the number of flights for each separate aircraft charter. This report should be received at the Office of Risk Management by September 1 for the previous fiscal year. If
you have any questions concerning these exposures, or any other aviation questions, please contact
Melissa Harris at (504) 342-8469.