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As a CFI you can be held liable for incidents of your students, even if you weren’t on board the aircraft at the time. This startling fact makes having the right insurance policy a necessity.

The AOPA Insurance Agency understands that your needs as a CFI are unique, and without the right policy you could be putting your livelihood on the line. That’s why, when you get your CFI nonowned policy through the AOPA Insurance Agency, you can rest assured that you are personally protected during flight instruction. And unlike many other policies that have tricky sublimits that can limit coverage for your spouse, children, and other family members, a CFI liability nonowned policy through the AOPA Insurance Agency automatically includes family coverage within the policy limits purchased.

You’ll even be provided with defense coverage (legal fees) should the need arise. Plus, your coverage is based on when an incident or accident occurs, not when the training was conducted. So your policy will cover you for any claims made during your policy period, even if the actual training took place prior to your coverage.

Securing your coverage through the AOPA Insurance Agency can also put money back in your pocket by providing a 5-percent AOPA member discount and a 10-percent discount at renewal if you have maintained a good flying record and have had no claims.

When it comes to your livelihood, don’t take chances. Contact the AOPA Insurance Agency for your free quote at 800-622-AOPA, or visit the website (www.aopaia.com/cfi_insurance_cfm).

AOPA Legal Services Plan Plus provides maximum coverage

Even students need legal protection

AOPA works hard to protect the rights of pilots. As a way of helping pilots on an individual basis, it created the AOPA Legal Services Plan. The plan was designed to help protect pilots from FAA enforcement actions and to provide aviation legal assistance should the need arise.

Considered essential by the thousands of AOPA members already enrolled, the Legal Services Plan assists with everything from reviewing aviation documents to providing legal representation for airspace incursions and other FAA violations.

Developing new key enhancements for this important coverage has been a central goal of AOPA, and the effort has resulted in the enhanced coverage of the new AOPA Legal Services Plan Plus. While the essential level of protection is still available for only $33 per year, members now have the flexibility to choose the level of coverage that best suits their needs.

Members who opt to maximize their protection with the AOPA Legal Services Plan Plus will receive the highest level of coverage available and get more representation hours for FAA enforcement actions, aircraft accidents, alcohol or drug tests, aircraft sales and purchases advice, and more.

Current participants with the standard level of coverage can upgrade their coverage at any time and those not enrolled in the plan are encouraged to read some case studies online (www.aopa.org/info/certified/lsp/case-studies.html). For more information about the Legal Services Plan, please visit the website (www.aopa.org/lsp) or call 800-872-2672.