What part of Commercial General Liability insurance covers damage to aircraft?

Hangar keepers coverage is a specific type of insurance provision designed to protect businesses that store aircraft, such as fixed-base operators (FBOs) or repair shops. This aspect of Commercial General Liability (CGL) insurance is crucial for addressing liabilities associated with damage to aircraft that are in the custody or control of the business for activities like storage, maintenance, or repair.

The hangar keepers feature typically provides coverage for physical damage to aircraft while located at the insured premises, which may include incidents like fire, theft, vandalism, or accidental damage. This heightened coverage is essential for any entity that interacts with aircraft, as standard premises liability and property coverage may not extend to damages involving aircraft specifically.

In contrast, premises liability primarily pertains to injuries or damages occurring on the insured's property due to negligence and does not extend to aircraft. Product liability deals with damages caused by goods or products sold or manufactured by a company, which would not apply in this context. Property coverage generally refers to the insured's own property and may not cover items under the care of the insured, highlighting the importance of the hangar keepers provision for aircraft-related liabilities.