HYPOTHETICAL EXAMPLE
An operational scenario
A visitor is injured near a terminal while a separate incident involves a service vehicle on the apron. The relevant location, activity and parties differ even though both events occur at the airport.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
Premises liability is distinct from aircraft operational liability and liability for aircraft in custody. A policy’s aviation business description, exclusions and endorsements determine which activities are accepted.
What to examine
Review leased and owned areas, public access, vehicles, contractors, special events and contractual obligations. Match each additional insured request with the actual endorsement and the relationship it is intended to address.
Evidence to gather
- Premises diagram and activities schedule
- Tenant and contractor agreements
- Vehicle and equipment details
- Policy wording and additional insured endorsements
Questions for your review
- Which party controls the location and activity?
- Are all airside activities described?
- Are special events or construction evaluated separately?
References and review status
- USAIG airport liability coverage areas
Separate coverage areas, not universal policy terms or evidence of Montridge access - USAIG airport insurance application
Submission inputs, not a coverage grant
References support the indicated background topic. Review questions are educational analysis; no specific policy specimen has been supplied. Source checks: November 12, 2026.