HYPOTHETICAL EXAMPLE
An operational scenario
A storm forces several high-value visiting aircraft into the same hangar. A fire or structural event could affect the full accumulation, even if normal daily occupancy is much lower.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
An aggregate, occurrence limit and per-aircraft limit are different controls. The applicable form determines which restrictions interact, and a building limit does not establish aircraft liability capacity.
What to examine
Build location-specific peak scenarios using actual customer aircraft values, seasonal patterns and handling movements. Compare the result with the selected limits, deductibles and insured activities. Any selected limit is a risk decision rather than a guarantee of sufficiency.
Evidence to gather
- Peak occupancy and aircraft values
- Location and hangar diagrams
- Customer storage agreements
- Limit schedule, deductibles and full wording
Questions for your review
- What is the largest aircraft value exposed?
- What common event could damage several aircraft?
- Are overflow locations and movements included?
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.