HYPOTHETICAL EXAMPLE
An operational scenario
A visiting business jet is towed into a hangar, refueled and returned to the ramp. Damage discovered before departure could involve towing, fuel quality, storage or work performed by another business. The service record and custody timeline help identify which insurance provisions need review.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
Hangarkeepers concerns legal liability for customer aircraft in the business’s care, custody or control, subject to its wording. Premises liability, products or completed operations, and pollution can involve different grants and exclusions. Owning the hangar building does not mean its property policy insures the aircraft inside.
What to examine
Build a service schedule covering towing, fueling, maintenance, deicing, storage and subcontracted work. Compare the largest aircraft value with the maximum combined value exposed to a single event. Reconcile airport lease indemnities with the policies rather than relying on a certificate alone.
Evidence to gather
- Airport lease and service agreements
- Maximum aircraft values by location
- Fuel supplier and quality-control records
- Loss runs and aircraft-handling procedures
Questions for your review
- Does the described operation include every service actually performed?
- How do per-aircraft and per-occurrence limits interact?
- What changes when work is subcontracted?
Watch the related explanation
FBO Insurance Explained: What Fixed Base Operators Need to Know
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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.