fiVIfiTIOtl ' 

lrtSURAHCE 

October 5, 2015 

Costello Insurance Associates, Inc. 

CVT Marketing a dba of Tim Fleming 

18696 Autumn Lake Blvd 

Hudson, FL 24667 

Dear Mr. Fleming: 

Enclosed please find your aviation insurance policy. Please READ your policy. In the event of loss or if there is 

any change in the conditions existing at the time policy was written, please notify us at once. 

The following is a list of employees and how they are equipped to serve you. To expedite your call, please ask 

for the appropriate person based on your need: 

BARBARA BOWDEN or RILEY CLARK: New business quotes, mid-term changes, accounting questions, 

billing problems, address changes, verification of coverage to lienholders, how to complete applications and other 

forms we provide you, cancellation requests, and other basic service needs. 

SUE MCFADDEN: Glidersffowplanes -- new and renewal business, mid-term changes on glider policies, 

coverage questions, claims, adding/deleting a pilot/plane, etc. 

PAT COSTELLO: Pat is the agency owner and is responsible for fast, efficient service. Feel free to call him on 

any matter. 

Please keep this with your policy and refer to it whenever you intend to call our agency. The staff is cross-trained 

and if the person you initially requested is on the phone, anyone in the department can assist you. 

Thank you for the opportunity of serving you. We are in business to serve and protect your interests. 

Best Regards 

Riley Clark 

y 

P. 0 . BOX 28280 I 428 E_ SOUTHERN AVENUE I TEMPE, AZ. 85285-8280 

TEL: 480-968-7746/800-528-6483 I FAX: 480-967-3828 / insure@aviationi.com 
HCC U.S . Specialty Insurance Compa ny 

5601 Granite Parkwavr Suite 1100 Plano, TX 75024 

main 469-633·7400 ·fac;imile 469-633·7470 

Aircraft Insurance Policy 

by U.S. Specialty Insurance Compan y 
AIRCRAFT INSURANCE POLICY 

COVERAGE IDENTIFICATION PAGE 

U. S. SPECIALTY INSURANCE COMPANY YOUR POLICY NUHBER 

Prior Policy No . 

AC3005376-00 I A C!Ull'L",L STXK C0:·1PJ>J;y 

I l'.DmNISTPJ\':'1'.'::; OFfiCES : 134:•3 NORTHI~t:s·: ?B.2"':o:·i;._y 

I HOUSTON, EX~.S 77 ~0 -6094 

.·. :;. 

ITEM Ni\1\lE INSURED 

] . CVT Marketing a dba of Tim Fleming 

;--t_.•~.: YOUR P.DDRESS ·A 18696 Autumn Lake Blvd 

Hudson, FL, 24667 

YOUR AGENT'S NAME AND ADDRESS 

Costello Insurance Associates, Inc_ 

Post Office Box 28280 

Tempe, AZ, 85285 

} POLICY PERIOD: lU:. _r, _:-;, STlu'l!J,i\RC Tn-JE. A'!' YCI~P. _Z:,3C'-if.: .".JCRE:SS fROX : 09/25/201 5 T.A. , v . 09/25/2016 

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$ EXcluding Passengers $ $ 

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g :::1;:- ~r<s a~ wTs ATTAcHso Nos, A~ JD 3~: im E8H m; $ FREJIID1(DUE $ s9s '~HE.:-l POLIC'::' :SSL'ED FORMS: 

Form Name Form Version 

AlP 1680 (08/10) 

AlP 1195 (08/10) 

AIP 1210 (08/10) 

AlP 1105 (08/10) 

AlP 1441 (08/1 0) 

AIP 1310 (04/1 4) 

'- AlP 1029 (08/10) 

AlP 1106 (08/10) 

Form Title 

PROTECTING THE PRIVACY OF INFORMATION 

WAR HIJACKING AND OTHER PERILS EXCLUSION 

STATE OF FLORIDA CANCELLATION AND NONRENEWAL AMENDATORY 

AIRCRAFT POLICY CONDITIONS 

HELICOPTERIROTORCRAFT 

FLORIDA INFORMATION NOTICE 

POLICY CHANGES 

Document Number: 693716 Page 1 of 3 

Farm Premium 
AIRCRAFT INSURANCE POLICY 

COVERAGE IDENTIFICATION PAGE 

U. S. SPECIALTY INSURANCE COMPANY YOUR POLICY NUMBER AC3005376-00 I A ::.".PI:'!·,L sm:::.: c::ilE".NY 

I AD"INISTRAT:VE :JF i::~S: :3403 'IOR'IE~~SST E'F.ZE':Ii';':' 

I HOU~TO~ , ~3XJl.S T!C4G-c03q 

A!P 1106 (08/10) Document Number: 6937 16 

Prior Policy No . 

Page 3 of 3 
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

This endorsement is issued by U.S. Specialty Insurance Company 

Policy number: AC3005376-00 

Endorsement number: 

Issued to (first Named Insured): CVT Marketing a dba of Tim Fleming 

Effective: 09/2512015 

For: premium of$ 

(if no entry appears above, information required to complete this endorsement will be shown in the Declarations 

as applicable to this endorsement.) 

AERIAL PHOTOGRAPHY 

1. This endorsement amends Item 10. of the Coverage Identification Page - THE USE OF THE AIRCRAFT - to include the following use: 

Your aerial photography for which you make a charge. 

2. In addition to 4 . What Is Not Covered under PART THREE- LIABILITY TO OTHERS- we also do not cover property 

damage to cameras or other photography equipment. 

3. Under PART TWO- AIRCRAFT PHYSICAL DAMAGE- we will not pay for physical loss of or damage to cameras or photography equipment whether attached to your aircraft or not. 

This endorsement applies to all aircraft covered by your policy unless the following information is completed. 

This endorsement applies to the following aircraft: 

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER OR EXTEND ANY OF THE TERMS, CONDITIONS OR AGREEMENTS OF THE POLICY OTHER THAN AS STATED ABOVE. 

AlP 11 15 (08/10) Page 1 of 1 
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

WAR HIJACKING AND OTHER PERILS EXCLUSION 

1. Your policy does not cover an accident or 

occurrence caused by: 

a. War invasion, acts of foreign enemies, hostilities, 

(whether war be declared or not), civil war, 

rebellion, revolution, insurrection, martial law, 

military or usurped power or attempts at 

usurpation of power. 

b. Any hostile detonation of · any weapon of war 

employing atomic or nuclear fission and/or fusion 

or other like reaction or radioactive force or 

matter. 

c. Strikes, riots, civil commotions or labor 

disturbances 

d. Any act of one or more persons whether or not 

agents of a Sovereign Power, for political or 

terrorist purposes and whether the loss or 

damage resulting therefrom is accidental or 

intentiona I. 

e. Any malicious act or act of sabotage. 

f. Confiscation, nationalization, seizure, restraint, 

detention, appropriation. requisition for title or 

use by or under the order of any Government 

(whether Civil, Military or de facto) or public or 

local authority. 

g. Hijacking or any unlawful seizure or wrongful 

exercise of control of your aircraft or crew in 

flight (including any attempt at such seizure or 

control) made by any person or persons on 

board the aircraft acting without the consent of 

you or anyone you permit to fly your aircraft. 

2. Furthermore, this Policy does not cover an accident 

or occurrence arising while the aircraft is outside 

your control or the control of anyone you permit to 

fly your aircraft by reason of any of the perils stated 

in Paragraph 1 above. Control of the aircraft shall be 

deemed to have been restored upon its safe return to 

you or anyone you permit to fly your aircraft at an 

airfield that is entirely suitable for the operation of the 

aircraft and within the geographic area stated in 

Paragraph 5 of Part One - GENERAL PROVISIONS 

AND CONDITIONS. Safe return shall require that the 

aircraft be parked with engines shutdown and under 

no duress. 

3. Paragraph 4. f. (war - confiscation) of PART 

TWO- AIRCRAFT PHYSICAL DAMAGE- is deleted. 

4. Paragraph 4. j. (war- confiscation) of PART THREE -

LIABILITY TO OTHERS- is deleted. 

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER OR EXTEND ANY OF THE TERMS, CONDITIONS OR AGREEMENTS OF THE POLICY OTHER THAN AS STATED ABOVE. 

A IP11 S5 (05/10) Page 1 of 1 
USSIC will not sell your personal information to unaffiliated third parties nor will it provide your personal information to third parties, doing business on USSIC's behalf, for their own marketing purposes. 

Former customers 

If you end your relationship with USSIC, we will adhere to the information policies and practices described in this policy. 

For More Information, Or To Opt Out 

You have the right to opt out of or prevent the disclosure of non-public personal financial information to non-affiliated third parties. This option applies to the insurance products and services that USSIC provides to you. Presently, USSIC does not share or exchange such information. If you would like more information about your options and rights to opt out of 

information sharing, please write to USSIC at the address provided below. 

U.S. Sp.ecialty Insurance Company 

5601 Granite Parkway, Suite 1100 

Plano, TX 75024 

Your relationship with USSIC is a way for you to receive necessary insurance at a reasonable cost. We offer innovative products and personal attention. At the same time, we work hard to protect the confidentiality and security of information. Thank you for allowing USSJC to provide you with the policies and services you need. 

A I P 1680 (05/1 0) 

Page 2 of 2 
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

FLORIDA INFORMATION NOTICE 

COMPLAINT NOTICE: Should any dispute arise about your premium or about a claim that you have filed, contact the 

agent or write to us at 5601 Granite Parkway, Suite 1100, Plano, TX 75024 or call us at (800) 777-2378. 

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER OR EXTEND ANY OF THE TERMS, CONDITIONS OR AGREEMENTS OF THE POLICY OTHER THAN AS STATED ABOVE. 

AlP 13 10 (04/14) Page 1 of 1 
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

Direct physical loss or damage to your aircraft 

arising, directly or indirectly, out of a certified act 

of terrorism. Such loss or damage is excluded 

regardless of any other cause or event that 

contributes concurrently or in any sequence to the 

loss. 

2. Exception Covering Certain Fire Losses 

In the states of CA. CT. GA. HI, lA, IL, MA, ME, 

MO, NC. NJ, OR, Rl, VA, WA, WI and WV: 

If a certified act of terrorism results in fire, we 

will pay for the loss or damage caused by that 

fire. Such coverage for fire applies only to direct 

loss or damage by fire to your insured aircraft. 

If aggregate insured losses attributable to terrorist 

acts certified under the Terrorism Risk Insurance 

Act exceed $100 billion in a calendar year and we 

have met our insurer deductible under the 

Terrorism Risk Insurance Act, we shall not be 

liable for the payment of any portion of the 

amount of such losses that exceeds $100 billion, 

and in such case, insured losses up to that 

amount are subject to pro rata allocation in 

accordance with procedures established by the 

Secretary of the Treasury. 

C. Under PART THREE - LIABILITY TO OTHERS - the 

following exclusion is added: 

1. This in surance does not apply to: 

Bodily injury or property damage arising, 

directly or indirectly, out of a certified act of 

terrorism or out of an other act of terrorism that 

is committed outside the United States (including 

1ts territories and possessions and Puerto Rico}, 

but within the policy geographic area. However, 

this exclusion applies only when one or more of 

the following are attributed to such act: 

a. The total of insured damage to all types of 

property exceeds $25,000,000 (valued in U.S. 

dollars). In determining whether the 

$25,000,000 threshold is exceeded, we will 

include all insured property damage 

sustained by all persons and entities affected 

by the terrorism. For the purpose of this 

provision, insured damage means damage 

that is covered by any insurance plus damage 

that would be covered by any insurance but 

for the application of any terrorism exclusions; 

or 

b. Fifty or more persons sustain death or serious 

physical injury. For the purposes of this 

provision, serious physical injury means: 

(1) Physical injury that involves a substantial risk of death; or 

(2) Protracted and obvious physical disfigurement; or 

(3) Protracted loss of or impairment of the 

function of a bodily member or organ; or 

c. The terrorism involves the use, release or 

escape of nuclear materials, or directly or 

indirectly results in nuclear reaction or 

radiation or radioactive contamination; or 

d. The terrorism is carried out by means of the 

dispersal or application of pathogenic or 

poisonous biological or chemical materials; 

or 

e. Pathogenic or poisonous biological or 

chemical materials are released, and it 

appears that one purpose of the terrorism 

was to release such materials. 

With respect to this exclusion, Paragraphs 1.a. 

and 1.b. describe the thresholds used to measure 

the magnitude of an incident of an other act of 

terrorism and the circumstances in which the 

threshold will apply for the purpose of determining 

whether this exclusion will apply to that incident. 

D. Application of Other Exclusions 

The terms and limitations of any terrorism exclusion, 

or the inapplicability or omission of a terrorism 

exclusion, do not serve to create coverage for any 

loss which would otherwise be excluded under this 

policy, such as losses excluded by the Radiation or 

War-Confiscation exclusions. 

NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY, ALTER OR EXTEND ANY OF THE TERMS, 

CONDITIONS OR AGREEMENTS OF THE POLICY OTHER THAN AS STATED ABOVE. 

AlP 1881 (01/15) Page 2 of 2 
WHERE TO FIND 

COVERAGE IDENTIFICATION PAGE 

Insurance company name 

Your policy number 

Prior policy number 

Your agent's name and address 

1. Named insured 

2. Your address 

3. Your policy period 

4. · Location of aircraft 

5. Description of aircraft and physical 

damage coverage 

PART ONE 

6. Coverages and limits of liability 

7. Premiums 

8. Endorsements attached when policy issued 

9. The pilot flying the aircraft 

10. The use of the aircraft 

11 . Additional interest 

Signatures of an authorized representative 

GENERAL PROVISIONS AND CONDITIONS 

(Starts on Page 3) 

1. Words and phrases 9. Other coverage 

2. Our obligations and your duties 1 0. Transfer of interest in your policy 

3. The pilot flying the aircraft 11. Our right of recovery 

4. The use of the aircraft 12. State insurance statutes 

5. When and where you are covered 13. Legal action against us 

6. If you have an accident or occurrence 14. Concealment or misrepresentation 

7. Changing your policy . 15. Inspection and audit 

8. Cancelling your policy 

PART TWO 

AIRCRAFT PHYSICAL DAMAGE 

(Starts on Page 5) 

1 What we cover 6 . When we will pay 

2. What you must pay or bear (deductible) 7. Theft 

3. What we will pay (less deductible) 8 . Disappearance 

4. What we will not pay 

5. What you must do 

1. What we cover 

2. Who is protected 

3. Who is not protected 

1. What we will pay 

2. Whom we will pay 

3. What we will not pay 

9 . Reinstatement of coverage 

PART THREE 

LIABILITY TO OTHERS 

(Starts on Page 7) 

PART FOUR 

MEDICAL EXPENSE 

(Starts on Page 9) 

PART FIVE 

4. What is not covered 

5. Additional protection 

4 . Effect of payment 

5. Proof of claim 

6. Legal action for medical expense 

SPECIAL PROVISIONS AND CONDITIONS 

(Starts on Page 9) 

1. Newly acquired aircraft 4. We will provide you with 

2. Temporary use of substitute aircraft 5. What we will not cover 

3. Use of another aircraft 

ENDORSEMENTS 

AlP 1105 (08/1 0) 2 
debts you owe under this policy from any payment we 

make. 

3. The Pilot Flying the Aircraft 

You must make certain that the pilot operating the aircraft 

in flight meets the requirements shown in Item 9 of the 

Coverage Identification Page. There is no coverage under 

the policy if the pilot does not meet these requirements. 

4. The use of the Aircraft 

You must make certain that the aircraft is used for the 

purposes stated in item 1 0 of the Coverage Identification 

Page. There is no coverage under the policy if the 

aircraft: 

a. Is used for any purpose not stated in Item 10 of the 

Coverage Identification Page; 

b. Is used for any unlawful purpose; 

c. Use requires a special permit or waiver from the FAA; 

d. Airworthiness certificate is not in full force and effect or 

has been converted to restricted or experimental 

unless stated in Item 5 of the Coverage Identification 

Page. 

5. When and Where You are Covered 

You are covered during the policy period shown in Item 3 

of the Coverage Identification Page while the aircraft is 

within the United States (excluding Alaska and Hawaii), 

Canada, Mexico, or while enroute between these points 

excluding U.S. Sanctioned Countries. 

6. If You Have An Accident or Occurrence 

In the event of an accident or occurrence. you and 

anyone we protect must: 

a. Immediately notify us describing how, when and 

where the accident or occurrence happened and 

giving names and addresses of witnesses, injured 

persons and all persons aboard the aircraft; 

b. Cooperate with us in the investigation, settlement or 

defense of any claim or suit; 

c. Answer under oath, questions asked by us or anyone 

we designate; 

d. Immediately send us copies of any notices or legal 

papers that you receive; 

AlP 11 05 (08/10) 4 

e. Help us in obtaining and g1v1ng evidence, attending 

hearings and trials, and getting witnesses to testify; 

f. Immediately notify the police if your aircraft or any 

part of it is stol en or vandalized. 

In the event of an accident or occurrence, you and 

anyone we protect must not: 

g. Make any statement about the accident or 

occurrence to others without our permission, except 

to government authorities making an official 

investigation; 

h. Make any voluntary payments, assume any obligation 

or incur any expense without our permission, except 

for emergency first aid to others and protection of your 

aircraft from further loss. 

7. Changing Your Policy 

If you wish to change anything in your policy, you or your 

representative should contact us. but no change occurs 

until you or your representative is notified by us of our 

agreement to the change. 

8. Cancelling Your Policy 

You may cancel your policy at any time by telling us in 

writing in advance of the date you want your coverage to 

end. We will compute the premium earned by us using 

the customary short rate table. 

We can cancel this policy at any time by mailing or 

delivering a notice of cancellation to you at the address 

shown in Item 2 of the Coverage Identification Page at 

least: 

a. 1 0 days before the effective date of cancellation if we 

cancel for nonpayment of premium; or 

b . 30 days before the effective date of cancellation if we 

cancel for any other reason. 

Proof of mailing or delivery of the notice is sufficient proof 

of notice. We will compute the premium earned by us 

based on the percentage of the original policy period that 

we provided coverage. 

If, however, we pay or have paid as much as the agreed 

value less the applicable deductible under the Aircraft 

Physical Damage Coverage, we are entitled to the total 

Aircraft Physical Damage premium shown on the 

Coverage Identification Page for the aircraft on which we 

made the payment. You agree to pay any premium that 

may be due or permit us to deduct such premium from our 

loss payment. 

W e will return to you any premium you have paid that we 

have not earned, but making the refund is not a condition 

of cancellation. 
(2) An accident involving another aircraft we 

insure except those we insure for you; 

(3) An accident when the dismantled aircraft is 

being transported. 

3. What We Will Pay (Less Deductible) 

a. Destroyed Aircraft 

If the cost of repair when added to the value of the 

aircraft after it is damaged and prior to repairs 

equals or exceeds the agreed value it is a destroyed 

aircraft. 

If your aircraft is destroyed, we will pay the agreed 

value of the aircraft less the applicable deductible. 

We will take the destroyed aircraft. 

b. Damaged Aircraft 

If your aircraft is damaged and not destroyed, we 

will pay the reasonable cost of repair after the 

aircraft is repaired, but we will not pay more than 

the agreed value less the applicable ded.uctible. 

If your aircraft is damaged by hail, we will pay the 

reasonable cost of repair of the hail damage that 

affects the airvvorthiness of the aircraft, less the 

applicable deductible. We will not, however, pay 

more than 10% of the agreed value, less the 

applicable deductible, for hail damage that does not 

affect the airworthiness of the aircraft. Payment for 

hail damage will be made after the aircraft is 

repaired. 

If the estimated cost of repair, including any amount 

payable for hail damage not affecting the 

airworthiness of the aircraft, is more than the 

agreed value of the aircraft, w e will pay the agreed 

value less th e applicable deductible and w e will take 

the damaged aircraft. 

Cost of repair includes necessary labor at straight time 

rates, parts and materials of similar kind and quality and 

the least expensive transportation charges necessary to 

the repair of your aircraft and its return to the place 

where the damage occurred or the home airport 

whichever is nearer. If you perform your own repairs 

you agree to supply material, parts and labor at your 

cost, excluding any overtime payments. We will 

increase your labor at your labor costs by 50% to help 

you defray your cost of overhead and supervision. 

4. What We Will Not Pay 

We will not pay for physical loss of or damage to your 

aircraft: 

a. Pilots and Use 

Unless the requirements of the Coverage 

Identification Page regarding Pilots (Item 9) and Use 

(Item 1 0) are met: 

AlP 1 105 (0 8/10) 6 

b. Wear & Tear 

Caused by wear or tear, deterioration, freezing, 

mechanical or electrical breakdown or failure, but we 

will pay for other direct physical loss or damage to 

your aircraft that results from any of these causes; 

c. Tires 

Tires, unless caused by theft or vandalism, or unless 

the loss or damage is the result of other loss or 

damage we cover; 

d . Seaplane- Amphibian 

If it is equipped for water takeoffs and landings 

unless your aircraft is stated to be a seaplane or 

amphibian in Item 5 of the Coverage Identification 

Page; 

e. Ownership 

If you lease, sell or mortgage all or some of your 

interest in your aircraft unless all interests of others 

are stated in either Item 1 or 11 of the Coverage 

Identification Page or in an Endorsement; 

f. War - Confiscation 

Caused by terrorist activities or arrest, restraint, 

seizure, confiscation, detention by or at the direction 

of any government; or caused by declared or 

undeclared war; 

g. Radiation 

Directly or indirectly caused by or arising out of 

ionizing radiations or contamination by radioactivity 

from any source: 

h. Embezzlement. Conversion or Secretion 

If anyone to whom you relinquish possession of the 

aircraft embezzles, converts or secretes the 

aircraft. 

We also will not pay for depreciation, loss of use. loss of 

profits, loss of guaranty or warranty, or any other 

economic or consequential damage of any kind. 

5. What You Must Do 

If your aircraft is damaged you must: 

a . Protec t the Airc raft 

Do all you can do to protect your aircraft from 

further loss. and w e will pay you for all reasonable 

expenses you incur in protecting it. If you do not, 

we will not be responsible for further loss; 

b. Proof of Loss 

Give us a sworn Proof of Loss statement within 90 

days of the loss; 

c. Sl1ow Us the Physical Damage 

Show us the physical damage to your aircraft 

before repair or disposition; 
Item 6 of the Coverage Identification Page do not 

increase regardless of the number protected. 

3. Who is Not Protected 

Your bodily injury and property damage coverage 

does not protect: 

a. Employees 

Any employee for injuries to any person who is in 

the course and scope of employment by the same 

employer; 

b. Aviation Business Activities 

Any person or organization, or employee or agent 

thereof, other than you and any of your employees 

while in the scope of his or her employment whom 

you permit to fly your aircraft, that makes, sells, 

rents, repairs or services aircraft or components, 

operates an airport facility, or provides instruction, 

pilot or flight service, where an occurrence arises 

out of any of these activities; 

c. Student Pilots 

Any student pilot using the aircraft under any 

rental agreement or training program for which a 

charge is made for such use. 

d. Renter Pilots 

Any renter pilot. 

4. What Is Not Covered 

We do not cover any: 

a. Pilots and Use 

Bodily injury or property damage unless the 

requirements of the Coverage Identification Page 

regarding Pilots (Item 9) and Use (Item 1 0) are met; 

b. Employees 

Bodily injury to any person in the course and scope 

of employment either by you or by anyone we 

protect. 

c. Property 

Property damage to property you or anyone we 

protect owns, has charge of or transports; 

d. Cross Liability 

Bodily injury to you. 

e. Intentional Acts 

Bodily InJury or property damage that is 

intentionally caused by you or anyone we protect 

unless done while in flight to prevent dangerous 

interference with the operation of the aircraft; 

f. Assumed Liability 

Bodily injury or property damage liabi lity that you 

or anyone we protect has agreed to assume for 

others; 

AlP 1105 (08/1 0) 8 

g. Ownersl1ip 

Bodily injury or property damage liability if you 

lease, sell or mortgage all or some of your interest 

in your aircraft unless all interests of others are 

stated in Item 1 or 11 of the Coverage Identification 

Page or in an Endorsement; 

h. Radiation 

Bodily injury or property damage that is directly or 

indirectly caused by or arises out of ionizing 

radiations or contamination by radioactivity from any 

source; 

i. Noise, Pollution, Electrical and Other Interference 

Bodily injury or property damage that is directly or 

indirectly caused by or arises out of: 

(1) Noise, vibration or sonic boom; 

(2) Pollution and/or contamination of any kind; 

(3) Electrical and/or electromagnetic interference; 

(4) Interference with the use of property; 

unless caused by or resulting from an accident; 

j. War- Confiscation 

Bodily injury or property damage that is directly or 

indirectly caused by or arising out of terrorist 

activities or arrest, restraint, seizure, confiscation, 

detention by or at the direction of any government; 

or caused by declared or undeclared war. 

5. Add itional Protection 

We also provide the following additional protection with 

each coverage under Liability to Others (PART THREE) 

as long as we have not paid, offered to pay, or tendered 

the limits of liability that you purchased: 

We will: 

a. Defense 

Defend, at our expense with attorneys we choose, 

any claim or legal action against you and anyone 

we protect for bodily injury or property damage 

resulting from an occurrence we cover. We may 

investigate, negotiate or settle any claim or legal 

action as we elect; 

b. Expense 

Pay the expense and the court costs in claims or 

legal actions we defend; 

c. Reimbursement 

Reimburse you and anyone we protect for all 

reasonable expenses incurred at our request, but 

we will not pay for loss of earnings; 

d. Interest 

Pay post-judgment interest on the part of a judgment 

against you and anyone we protect that w e are 

obligated to pay until we have made the payment or 

tendered or deposited it in court; 
b. On Newly Acquired Aircraft the same Aircraft Physical 

Damage (PART TWO) coverage and deductible 

amounts as we do on similar category and class 

aircraft with the highest agreed value shown on your 

Coverage Identification Page. The most we will pay 

for physical damage is the amount you paid for the 

aircraft plus the cost for any repairs or additions you 

made; or in the case of a trade-in, the fair market value 

of the aircraft plus the cost of any repairs or additions 

you made. 

5. What is Not Covered 

In addition to What is Not Covered in your policy, we will 

not cover Temporary Use of Substitute Aircraft, Use of 

Another Aircraft or Newly Acquired Aircraft: 

a. Unless the requirements of the Coverage Identification 

Page regarding Pilots (Item 9) and Use (Item 1 0) are 

met; 

b. Unless it is licensed under a standard airworthiness 

certificate issued by the FAA; 

c. If it is a multiengine aircraft unless an aircraft in Item 5 

on the Coverage Identification Pa ge is a multiengine 

aircraft; 

d. If it is tu rbine powered aircraft unless an aircraft in 

Item 5 on the Coverage Identification Page is a turbine 

powered aircraft; 

e. If it is a rotorcraft unless an aircraft in Item 5 on the 

Coverage Identification Page is a rotorcraft; 

f. If it is a seaplane or amphibian unless an aircraft in 

Item 5 on the Coverage Identification Page is a 

seaplane or amphibian. 

VALIDATION 

Your policy is comprised of the Coverage Identification Page, Parts One through Five and any Endorsements we issued. 

The signature of our president and secretary validate your policy. 

AlP 1105 (08/10) 

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Secretary 

Alexander Ludlow 

10 

President 

Michael J . Schell