Endorsements attached to an Insurance Policy clarify who is covered and/or add additional coverage to the policy. Below are Common Endorsements Beacon can provide:
Endorsements attached to an Insurance Policy clarify who is covered and/or add additional coverage to the policy. Below are Common Endorsements Beacon can provide:
States’ laws provide benefits to employees who are hurt while traveling temporarily outside of the country. This endorsement provides some clarity as to time considerations and coverage that is afforded. It is used frequently with pilots and crew.
This endorsement offers statutory benefits to classes of workers whose benefits do not apply according to the statutes of the state. Examples of persons who might be afforded benefits with this endorsement vary by state but can include executive officers, partners, sole proprietors, farm workers, domestic employees, athletes, or employees traveling overseas.
This endorsement is used to waive the insurance company’s rights of subrogation against named third parties that are listed on the endorsement schedule and that may be held responsible for an injury. A “blanket” version of this endorsement is also available. A Waiver of Subrogation endorsement is frequently used by businesses that operate from municipal airports, as required by contract.
DBA coverage provides compensation for disability or death to persons who are injured while employed at military, naval, and air bases outside the United States. Today, almost any contract with a U.S. government agency for work outside the U.S. of a military or related nature will likely require Defense Base Act coverage.
Stop-gap coverage is essentially Part Two Employers Liability coverage provided to support operations in a monopolistic state (North Dakota, Ohio, Washington, Wyoming). In these states, workers’ compensation coverage is provided by the state but employer’s liability is not included in that coverage; therefore, employers must procure coverage in the open or private market. This coverage can also be added as part of a general liability policy rather than by endorsement to the workers’ compensation policy.
Beacon offers a wide assortment of broadening coverages for qualifying operators that extend the coverage far beyond just protecting the aircraft, occupants and third party liabilities in the case of an unfortunate event. Whether it be in the air or in the hangar, consult with your Broker on the included or available broad coverages to protect your operations.
With the varied characteristics of General Aviation ground operations, Beacon has a comprehensive inventory of enhanced coverages available to protect the businesses that service and maintain aircraft. Consult with your Broker on the specific needs of your operations.
Kate Bustin
Senior Aviation Underwriter
Kate was located in Midwest for most of her career working for both large and small regional P&C carriers. She has a strong WC background in the construction space.
Now located in Ocala, FL area, she is a proud mom to three fur babies. Kate enjoys traveling, dog parks on the weekends, and Yankees baseball games.
Sharon Meeds has been a Senior Premium Auditor for 18 years.
She has a lengthy background in Accounting and operated her own small business accounting service as well.
Sharon enjoys several hobbies including – gardening, sewing, quilting, cooking, reading and most of all, spending time with her grandchildren.
Sharon looks forward to meeting and working with all our Partner Aviation Brokers and Insureds.
Steve DiSerio is a seasoned Aviation Underwriter with over a decade of experience in the industry. Steve has been responsible for underwriting aviation exposures for hull and liability coverage, including light aircraft, rotor wing, and small to medium-sized jets. He also handled aviation commercial general liability, including flight schools, flying clubs, Fixed Base Operators and airports.
In addition to his extensive Insurance Underwriting experience, Steve worked as an FBO Manager and as a Commercial Lines Policy Analyst. He holds a B.A. in Communications from Marist College, with a minor in Fine Art/Photography.
Steve has a commercial pilot’s license and an instrument rating from the FAA. Steve currently serves on the Airport Advisory Board at the Leadville Lake County Airport in Colorado. Deeply invested in the world of aviation, Steve is an active member of the local aviation community.
Steve resides in Colorado with his wife and two dogs. Steve is an accomplished outdoors enthusiast, with a passion for skiing, biking, and all things active. With extensive experience exploring the natural world, he brings a deep appreciation for the value of physical activity and the great outdoors to his work.
Cindy Hoskins has been in the Aviation Insurance industry for 47 years.
She spent the last 40 years of her career with an aviation underwriting company start up in 1983 and managed the Dallas Light Aircraft Division. She held the title of Vice-president when she retired January 2023. After 18 months of retirement, Cindy made the choice to return to aviation insurance as an Underwriter for Beacon on part time basis.
Cindy enjoys volunteer work for a non-profit organization for adults with disabilities. She is on the board for the organization and recently helped raise over $25,000 for the non-profit organization.
Cindy was born in Grapevine, Texas and has stayed local to Grapevine her entire life. Her daughter is a 3rd generation graduate of Grapevine High School.
She enjoys cooking and attending various outings with her daughter who is a member of the non-profit organization.
She also enjoys travel!
Beacon Aviation offers this coverage to protect you and your business if a third party is injured on your property or by your actions.
These policies are necessary because most commercial general liability policies will not cover aviation-related exposures.
Beacon Aviation offers this insurance to protect firms that use planes and other aircraft for business purposes. Aircraft aren’t covered under standard liability policies.
Aircraft Hull covers physical damage to an aircraft.
Aircraft liability includes coverage for Bodily Injury/death to passengers, other than passengers and third party property damage.
