HYPOTHETICAL EXAMPLE
An operational scenario
A charter customer alleges that a broker failed to evaluate an operator properly. A separate client alleges that an aircraft manager made an administrative error that caused financial loss.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
Professional liability is distinct from bodily injury or property damage cover provided elsewhere. Definitions, exclusions and the treatment of aviation activity determine whether the alleged service falls within the grant.
What to examine
Compare professional services definitions with contracts and marketing descriptions. Review claims-made reporting provisions where present, retroactive dates, defense arrangements and contractually assumed duties without assuming a standard form.
Evidence to gather
- Service descriptions and customer contracts
- Professional liability form and endorsements
- Prior acts and claim history
- Quality assurance and complaint procedures
Questions for your review
- Does the definition include every service sold?
- Are relevant bodily injury or property damage allegations excluded?
- What reporting conditions and dates apply?
References and review status
- 14 CFR Part 295 air charter brokers
Broker conduct; insurance wording review remains separate
References support the indicated background topic. Review questions are educational analysis; no specific policy specimen has been supplied. Source checks: November 12, 2026.