Effective insurance begins before a loss occurs
Aviation insurance is not simply about transferring risk to insurers. Understanding operational exposures, identifying potential vulnerabilities and maintaining appropriate insurance arrangements are equally important.
CMC assists aircraft owners, operators and aviation businesses in evaluating their insurable risks, reviewing insurance requirements and addressing the insurance implications of operational changes.
When an incident occurs, personal involvement and effective communication become particularly important.
My approach combines specialist insurance knowledge with a practical understanding of aviation operations, focusing on prevention, preparation and claims assistance.
Risk Assessment & Prevention
Risk management begins with understanding the activities undertaken and the exposures they create.
CMC assists clients in identifying risks relevant to their insurance arrangements and in considering measures that may improve the presentation and insurability of those risks.
Depending on the nature of the operation, relevant considerations may include:
Aircraft Operations and Mission Profiles
Ground Handling and Aircraft Towing Procedures
Hangar and Maintenance Exposures
Safety Management and Incident Reporting
Contractual Responsibilities and Indemnities
Geographical and Security Exposures
Operational Changes Affecting Insurance Coverage
Where appropriate, findings from operational risk assessments and specialist technical reviews may be incorporated into the insurance underwriting process.
Technical aviation safety assessments remain the responsibility of appropriately qualified operational and safety professionals.
Insurance Programme Review
Insurance arrangements should evolve with the risks they are intended to protect.
Changes in aircraft ownership, fleet composition, operational activities, geographical exposure or contractual obligations may affect the adequacy of existing insurance arrangements.
CMC assists clients in reviewing their aviation insurance programmes, with particular attention to:
Policy Limits and Deductibles
Hull Values and Insured Interests
Liability Coverage and Contractual Requirements
Policy Exclusions and Special Conditions
War Risks and Territorial Restrictions
Claims Experience and Underwriting Information
Material Changes Requiring Disclosure to Insurers
The objective is to identify potential gaps, inconsistencies or areas requiring clarification and to discuss appropriate adjustments with insurers where necessary.
Any changes to insurance coverage remain subject to insurer agreement and the applicable policy terms.
Claims Assistance
When an incident occurs, informed assistance matters.
Aviation claims can involve complex technical circumstances, multiple interested parties and significant financial consequences.
CMC provides personal assistance to clients throughout the insurance claims process, helping to maintain effective communication between the insured, insurers, appointed loss adjusters and other relevant parties.
Depending on the circumstances, assistance may include:
Initial Claims Notification
Review of Relevant Insurance Policy Provisions
Coordination of Information and Documentation
Communication with Insurers and Loss Adjusters
Monitoring Claims Progress
Discussion of Coverage Questions and Settlement Proposals
Consideration of Risk Improvement Measures Following a Loss
My involvement is directed towards ensuring that the client’s position is properly presented and that relevant insurance matters receive appropriate attention.
Claims coverage and settlement decisions remain subject to the applicable policy wording, facts and insurers’ assessment.
Continuous Risk Improvement
Learning from experience strengthens future protection.
Claims, incidents and operational changes provide valuable information about the risks faced by aviation businesses.
CMC assists clients in considering the insurance implications of such developments and, where appropriate, incorporating relevant findings into future underwriting submissions and insurance programme reviews.
This may include:
Reviewing Claims Trends and Loss Experience
Identifying Recurring Insurance Exposures
Considering Risk Improvement Recommendations
Updating Underwriting Information
Reviewing Coverage Following Operational Changes
Preparing for Policy Renewal Discussions
A well-documented approach to risk improvement can help insurers better understand the insured’s operations and risk management practices.
It does not guarantee particular underwriting terms or premium outcomes.
Risk understood. Claims personally handled.
At CMC, insurance placement, risk review and claims assistance are part of a continuing professional relationship.
I work directly with clients to understand their circumstances, communicate with insurers and provide practical assistance when insurance matters become complex.