HYPOTHETICAL EXAMPLE
An operational scenario
A shop installs an avionics upgrade and subcontracts part of the configuration. A customer alleges equipment malfunction caused aircraft damage and interruption of operations after return to service.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
Property coverage for stock and tools is different from liability for an installed product or damage to the customer’s aircraft. An allegation framed as advice does not establish that a professional liability policy or an aviation products policy will respond.
What to examine
Identify installation, repair, programming, testing and engineering activities. Review contractual warranties, certification responsibilities and any customer-supplied equipment. Separate stock values from the maximum aircraft value exposed during work.
Evidence to gather
- Service and product descriptions
- Installation contracts and warranty terms
- Aircraft and inventory value schedules
- Subcontractor agreements and quality procedures
Questions for your review
- Are software configuration and technical advice disclosed?
- Who accepts responsibility for customer-supplied equipment?
- What happens when a defect is discovered after delivery?
References and review status
- FAA repair station operators Part 145
Certification and approved functions, not insurance - USAIG airport liability coverage areas
Coverage differentiation only
References support the indicated background topic. Review questions are educational analysis; no specific policy specimen has been supplied. Source checks: November 12, 2026.