EPISODE · Apr 14, 2026 · 21 MIN
Flight Instructor Insurance Explained w/ Kim Skipper
from More Right Rudder · host National Association of Flight Instructors
CFI and non-owners insurance is an endless source of questions in the CFI community. In this episode, Sarah Staudt, NAFI’s program development manager, sits down with Avemco Insurance Company’s Underwriting Manager Kim Skipper to break down the essentials of flight instructor insurance. From liability limits to common misconceptions, they unpack real-world scenarios and answer questions pulled straight from the NAFI community. If you’re a CFI, this episode will help you better understand what your policy actually covers—and where the gaps might be. What you’ll learn: The difference between liability coverage and aircraft (hull) damage Why legal defense coverage might be your most valuable protection What it really means to be “at fault” in an insurance claim Common situations that are NOT covered (and surprise a lot of instructors) How non-owner policies differ from owner coverage Why your policy likely doesn’t protect the aircraft owner The importance of selecting the right aircraft categories in your policy How ownership structures (like LLCs) can impact coverage The little-known “31-day rule” that could void a claim Why you should consider keeping your policy even after you stop instructing How past instruction coverage can protect you years later Why clearly defining your role in the cockpit matters—for more than just safety Don’t miss Skipper’s entertaining and informative episode from last year: https://youtu.be/faqbtn-ooTc If you aren't already a NAFI member, join us today! Use code PODSAVE5 to save $5 on your new NAFI membership at https://nafimentor.org.
What this episode covers
CFI and non-owners insurance is an endless source of questions in the CFI community. In this episode, Sarah Staudt, NAFI’s program development manager, sits down with Avemco Insurance Company’s Underwriting Manager Kim Skipper to break down the essentials of flight instructor insurance. From liability limits to common misconceptions, they unpack real-world scenarios and answer questions pulled straight from the NAFI community. If you’re a CFI, this episode will help you better understand what your policy actually covers—and where the gaps might be. What you’ll learn: The difference between liability coverage and aircraft (hull) damage Why legal defense coverage might be your most valuable protection What it really means to be “at fault” in an insurance claim Common situations that are NOT covered (and surprise a lot of instructors) How non-owner policies differ from owner coverage Why your policy likely doesn’t protect the aircraft owner The importance of selecting the right aircraft categories in your policy How ownership structures (like LLCs) can impact coverage The little-known “31-day rule” that could void a claim Why you should consider keeping your policy even after you stop instructing How past instruction coverage can protect you years later Why clearly defining your role in the cockpit matters—for more than just safety Don’t miss Skipper’s entertaining and informative episode from last year: https://youtu.be/faqbtn-ooTc If you aren't already a NAFI member, join us today! Use code PODSAVE5 to save $5 on your new NAFI membership at https://nafimentor.org.
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Flight Instructor Insurance Explained w/ Kim Skipper
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