PLNationalmedium
An insured owns a single-engine Cessna and rents it to a flight school occasionally. He carries a personal umbrella but no aircraft liability policy. A passenger is injured on a flight. Which provision controls the umbrella's response?
AThe umbrella drops down because aviation is not specifically excluded
BThe maintenance-of-underlying clause obligates the umbrella to pay
The owned-aircraft exclusion bars coverage
DThe personal-injury insuring agreement responds
Why this is the answer
The ISO personal umbrella excludes all liability arising out of the ownership, maintenance, use, loading, or unloading of aircraft owned by, rented to, or operated by an insured. This exclusion is absolute — it is not a 'drop-down' exclusion and the umbrella will not respond even at the SIR level. The insured must purchase a stand-alone aircraft liability policy (e.g., AOPA, Avemco, USAIG) with limits high enough to satisfy his risk tolerance. See ISO DL 98 01 Aircraft Exclusion.
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