Student aviation and aviation for pay usually require an extra premium. For all aviation risks, please submit an Aviation Questionnaire (LUC-16).
Private aviation is normally standard after a pilot completes 100 hours of flying time. Those with less experience, or high exposure, will be rated. Indicate the following on the application for clients who have engaged in private aviation activities in the past two years: total hours of experience, including the annual flight hours in the past year, one to two years ago, and the amount anticipated for the next year.
RATE SCHEDULE FOR PRIVATE PILOTS AND CREW MEMBERS (NOT FLYING FOR PAY)
Student pilots or pilots with less than 100 hours of solo flying experience: $3.00 per thousand extra premium ($3.00/1000).
Private pilots-over 100 solo hours flying for pleasure and/or business:
- Flying up to 300 hours annually: Standard
- Flying 301 to 500 hours annually: $3.50/1000
- Flying over 500 hours annually: $5.00/1000
- An extra rating may be charged if flying less than 10 hours per year.