Santam s experience within the Aviation Sector

Size: px
Start display at page:

Download "Santam s experience within the Aviation Sector"

Transcription

1 Santam s experience within the Aviation Sector SA CIVIL AVIATION AUTHORITY 7t h National Safety Seminar 24 th October 2013 Presentation by: James Godden

2 Content Page About Santam Ltd Santam Aviation Experience

3 About Santam Ltd 1. Our 94-year-old Company Excellent Track Record Assets of more than R18 billion Annualised Gross Written Premium over R18,5 billion Leading short-term insurer with a market share of over 23% Santam core intermediated business insures more than policyholders We insure most of the top 100 JSE listed companies

4 SANTAM AVIATION EXPERIENCE 10/31/2013

5 Briefly about Santam Aviation Santam Aviation is SA s longest established Aviation Insurer specialising in products which include: Corporate aircraft Private owners and sport classes Charter operators as well as aircraft owners and operators liability Experimental aircraft Deductible insurance Agricultural aircraft Gliders

6 Composition of Santam s Aviation Portfolio Santam Aviation has a wide spectrum of aircraft in its portfolio Predominant focus is the general aviation market Bulk of portfolio comprised of private owner and small/medium commercial operators Aircraft insured range from micro light to B 737 s 20% of portfolio comprised of light sport aircraft Portfolio predominantly comprised of South African Risks but aircraft outside of the country are also insured by Santam Focus for purposes of this presentation on the South African Portion of the portfolio

7 Insurance Claims: The year 2013 to date 2013 Year to date Sep 30 Average number of claims per month: 33 Average cost of claim per month: R 6,677,777 Number of landing accidents to date: 115 Number of power line accidents: 4(not crop spraying) 40% of all claims are made up of landing accidents

8 Trends in Insurance Claims History 1. Predominant reason for claims are accidents as a result of pilot error / judgment 2. Predominant sector is the private recreational area, this is particularly high in the ZU category Of concern is the number of incidents/accidents that take place in flying clubs/schools It is accepted that flying schools are a higher risk profile BUT the number of unnecessary accidents are concerning 3. Accidents, especially those involving serious injuries or fatalities are more than often avoidable. Poor decision making and in certain instances blatant recklessness are responsible for most of these accidents

9 Examples of unnecessary accidents These are numerous examples, predominant is: Flying in instrument conditions without the necessary licensed rating Misjudging landing strip length, too short for the aircraft i.e. not having done the correct homework Flying overweight often a trend in commercial operations Incorrect fuel management and Incorrect selection of engines in twins (shutting the wrong engine down) Flying too low (borders on recklessness) Taking chances e.g. Trying to find a gap in the weather instead of turning around (borders on recklessness) The disturbing aspect of these trends is that they are largely a reflection of poor attitude and/or poor training (usually go together)

10 Effects to our Insurance Industry Currently rates are at an all time low due to excess capacity in the market (world wide phenomenon) Low rates mean reduced premium for insurers Escalation in claims continues as does the cost of repair and liability claims Insurers will be forced in the near future if the current trend continues to either push up rates or to consider exiting this insurance sector Fair to say the situation is relatively critical at the moment

11 Where to from here? Greater cooperation between insurance industry and CAA will be necessary, especially when it comes to information sharing e.g. growing accident trends Knowledge exchange can assist in proactive preventative measures put into effect Cooperation between CAA and insurers to collaborate on safety campaigns and incentives put in place Initiatives like this safety symposium are needed and should become more common place A good look at training standards in all our flying schools needs to be taken with particular focus on training attitude

12 Our role going forward Share claims data with CAA Highlight claim trends Make sure legislation in Aviation is upheld Educate our clients

13

CAUSES OF AIRCRAFT ACCIDENTS

CAUSES OF AIRCRAFT ACCIDENTS CAUSES OF AIRCRAFT ACCIDENTS 10 th Week (9.00 am 10.30 am) 3 rd Oct 2009 (Friday) COURSE : DIPLOMA IN AVIATION MANAGEMENT MODULE : AVIATION SAFETY AND SECURITY (AVS 2104) 1 LEARNING OBJECTIVES Understand

More information

Aviation Safety: Making a safe system even safer. Nancy Graham Director, Air Navigation Bureau International Civil Aviation Organization

Aviation Safety: Making a safe system even safer. Nancy Graham Director, Air Navigation Bureau International Civil Aviation Organization Aviation Safety: Making a safe system even safer Nancy Graham Director, Air Navigation Bureau International Civil Aviation Organization Video Message, October 1st, 2010 (http://livestream.com/icao) I am

More information

Planning requirements for heliports and helicopter landing sites

Planning requirements for heliports and helicopter landing sites Practice Note 75 December 2012 Planning requirements for heliports and helicopter landing sites The purpose of this practice note is to: 1. Explain how helicopter activity is regulated by the planning

More information

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance...

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance... Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance

More information

DUTCH SAFETY BOARD. Summary General aviation accidents

DUTCH SAFETY BOARD. Summary General aviation accidents DUTCH SAFETY BOARD Summary General aviation accidents Summary General aviation accidents The Hague, January 2014 The reports issued by the Dutch Safety Board are open to the public. All reports are also

More information

MODEL REGULATION SAFETY MANAGEMENT SYSTEM REGULATION. International Civil Aviation Organisation

MODEL REGULATION SAFETY MANAGEMENT SYSTEM REGULATION. International Civil Aviation Organisation MODEL REGULATION SAFETY MANAGEMENT SYSTEM REGULATION 1 SAFETY MANAGEMENT SYSTEM REGULATION TABLE OF CONTENTS 1. INTRODUCATION... 3 2. SCOPE... 3 3. DEFINITIONS... 3 4. GENERAL... 4 5. APPLICABILITY...

More information

AIR SAFETY IN ADVANCED ECONOMIES

AIR SAFETY IN ADVANCED ECONOMIES . AIR SAFETY IN ADVANCED ECONOMIES A comparison of Australia s safety record with other advanced economies Safety Systems Office TRIM: D14/5926 Report Information Fields Document name Description A comparison

More information

Insurance Coverage: The Commercial General Liability Policy

Insurance Coverage: The Commercial General Liability Policy Insurance Coverage: The Commercial General Liability Policy An overview of the backbone of avionics business protection. What is available and how you can control the cost of it. Please understand what

More information

Application for Umbrella Quotation

Application for Umbrella Quotation Application for Umbrella Quotation Completion of this form does not bind coverage. Applicant s acceptance of the Insurer s Quotation is required before insurance may be bound and policy issued. Date: Policy

More information

This is the Santam group

This is the Santam group This is the Santam is the leading general insurer in South Africa with a market share in excess of 22%. The group provides a diversified range of general insurance products and services in southern Africa

More information

Human Factors in Fatal Aircraft Accidents

Human Factors in Fatal Aircraft Accidents Department of Transport and Regional Development Bureau of Air Safety Investigation Human Factors in Fatal Aircraft Accidents Released by the Secretary of the Department of Transport and Regional Development

More information

Insurance Primer A GUIDE FOR SEAPLANE O WNERS. Seaplane Pilots Association

Insurance Primer A GUIDE FOR SEAPLANE O WNERS. Seaplane Pilots Association Insurance Primer A GUIDE FOR SEAPLANE O WNERS Seaplane Pilots Association INTRODUCTION Insurance is one of the most expensive and least understood aspects of owning a seaplane. Fortunately, with a little

More information

Out of Control. HANG ON! It s GOING TO GET ROUGH! DISASTER is just ahead! DON T JUST SIT THERE DO SOMETHING!

Out of Control. HANG ON! It s GOING TO GET ROUGH! DISASTER is just ahead! DON T JUST SIT THERE DO SOMETHING! Out of Control Brent Anderson HANG ON! It s GOING TO GET ROUGH! DISASTER is just ahead! DON T JUST SIT THERE DO SOMETHING! No, we are not talking about the aircraft we re flying, but rather the way our

More information

Executive Summary ABI.ORG.UK. Association of British Insurers 51 Gresham Street London EC2V 7HQ Telephone 020 7600 3333

Executive Summary ABI.ORG.UK. Association of British Insurers 51 Gresham Street London EC2V 7HQ Telephone 020 7600 3333 Association of British Insurers response to the Northern Ireland Assembly Environment Committee s Consultation on The Road Traffic (Amendment Bill) About the ABI 1.1 The Association of British Insurers

More information

ISO 39001 Road Traffic Safety (RTS) Management Systems

ISO 39001 Road Traffic Safety (RTS) Management Systems ISO 39001 Road Traffic Safety (RTS) Management Systems V1.0 Nov 2012 RTS04001ENGX Who is BSI? Leading Global Standards Creation Body: British, European, ISO, Public, Private The UK National Standards Body:

More information

The need for Safety Intelligence based on European safety data analysis

The need for Safety Intelligence based on European safety data analysis The need for Safety Intelligence based on European safety data analysis Rachel Daeschler Head of Safety Intelligence and Performance OPTICS Workshop, 29 April 2015 Content Introduction to EASA Safety Intelligence

More information

COMMERCIAL GENERAL LIABILITY INSURANCE APPLICATION - AIRPORT TENANTS (FBO)

COMMERCIAL GENERAL LIABILITY INSURANCE APPLICATION - AIRPORT TENANTS (FBO) QBAV-3019 (07-11) COMMERCIAL GENERAL LIABILITY INSURANCE APPLICATION - AIRPORT TENANTS (FBO) (Check which is desired) A QUOTATION INSURANCE POLICY RENEWAL POLICY Name of Applicant Address Applicant is:

More information

Learning for Life Flying Permit Application Retain in local Learning for Life office

Learning for Life Flying Permit Application Retain in local Learning for Life office Learning for Life Flying Permit Application Retain in local Learning for Life office Page 1 of 2 This completed application must be submitted to the local Learning for Life office for approval two weeks

More information

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

LOCALLY FOCUSED. NATIONALLY RESOURCED. INTERNATIONALLY REPRESENTED.

LOCALLY FOCUSED. NATIONALLY RESOURCED. INTERNATIONALLY REPRESENTED. LOCALLY FOCUSED. NATIONALLY RESOURCED. INTERNATIONALLY REPRESENTED. Here and around the world The Arthur J. Gallagher company has Australian roots that, since 1976, have grown through a network of insurance

More information

Table of Contents 1. INTRODUCTION 2 2. DEFINITION 4 3. UAS CLASSIFICATION 6 4. REGULATORY PRINCIPLES 16 5. INTERACTION WITH AIR TRAFFIC CONTROL 16

Table of Contents 1. INTRODUCTION 2 2. DEFINITION 4 3. UAS CLASSIFICATION 6 4. REGULATORY PRINCIPLES 16 5. INTERACTION WITH AIR TRAFFIC CONTROL 16 FOREWORD Table of Contents 1. INTRODUCTION 2 2. DEFINITION 4 3. UAS CLASSIFICATION 6 4. REGULATORY PRINCIPLES 16 5. INTERACTION WITH AIR TRAFFIC CONTROL 16 6. SENSE AND AVOID ( required for applicants

More information

The Art of Aeronautical Decision-Making Course Table of Contents

The Art of Aeronautical Decision-Making Course Table of Contents Federal Aviation Administration The Art of Aeronautical Decision-Making Course Table of Contents Introduction Chapter 1 Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Chapter 7 What is ADM? 3-P Model

More information

Cymru update. Leon Lloyd Hugh James. 6 November 2013

Cymru update. Leon Lloyd Hugh James. 6 November 2013 Community Housing Cymru update Leon Lloyd Hugh James 6 November 2013 New EL/PL claims procedure From 1 August 2013 Fast track claims EL/PL claims between 10k and 25k issued pre-1 April 2013 handled outside

More information

DRAFT WHITE PAPER ON CIVIL AVIATION CRAFTING NEW POLICY FOR SA AVIATION

DRAFT WHITE PAPER ON CIVIL AVIATION CRAFTING NEW POLICY FOR SA AVIATION DRAFT WHITE PAPER ON CIVIL AVIATION CRAFTING NEW POLICY FOR SA AVIATION National Safety Seminar PRESENTATION BY Zakhele Thwala DDG Civil Aviation DOT Introduction 2 Civil Aviation serves as a major catalyst

More information

Learn More About Structured Settlements

Learn More About Structured Settlements Learn More About Structured Settlements For over 25 years, the federal government has recognized and encouraged the use of structured settlements in personal injury cases. Structured settlements have also

More information

protect your business with insurance you can trust.

protect your business with insurance you can trust. protect your business with insurance you can trust. Transact Credit Invest Insure Forex Merchant Services Cash Value Adds Rewards First National Bank - a division of FirstRand Bank Limited. An Authorised

More information

Insurance Fraud PRESENTED BY: James H. Cole, Esquire Jeffrey G. Rapattoni, Esquire of Marshall Dennehey Warner Coleman & Goggin

Insurance Fraud PRESENTED BY: James H. Cole, Esquire Jeffrey G. Rapattoni, Esquire of Marshall Dennehey Warner Coleman & Goggin Insurance Fraud PRESENTED BY: James H. Cole, Esquire Jeffrey G. Rapattoni, Esquire of Marshall Dennehey Warner Coleman & Goggin WHAT IS INSURANCE FRAUD? The Criminal vs. Civil Distinction Various Types

More information

Briefing on the Road Accident Benefit Scheme [RABS] Select Committee on Public Services, National Council of Provinces

Briefing on the Road Accident Benefit Scheme [RABS] Select Committee on Public Services, National Council of Provinces Briefing on the Road Accident Benefit Scheme [RABS] Select Committee on Public Services, National Council of Provinces 28 February 2012 1 Introduction To brief the Select Committee on Public Services on

More information

Insurance And Your Non-Profit Organization

Insurance And Your Non-Profit Organization Financial Institutions Environment and Labour Insurance And Your Non-Profit Organization Introduction Insurance is a concern of non-profit organizations in Nova Scotia. If you are involved in a non-profit

More information

CONTENTS TRAFFIC ACCIDENTS AND SAFETY POLICIES INTRODUCTION 1. Traffic Accidents in General 1 2. Promotion of Traffic Safety and Accident Trends 3 3. The Future Direction of Traffic Safety Measures 6 BOOK

More information

Understanding insurance and risk management A guide for community groups who organise events

Understanding insurance and risk management A guide for community groups who organise events Understanding insurance and risk management A guide for community groups who organise events Introduction 1 This booklet aims to give general advice, assistance and provide further information on insurance

More information

What Happens if I have an Accident or Claim? by Christopher J. Turnbull

What Happens if I have an Accident or Claim? by Christopher J. Turnbull What Happens if I have an Accident or Claim? by Christopher J. Turnbull Fortunately most of us have never had an accident or claim. As a result, when a claim does occur, it leaves us unsure of what to

More information

Sustainability of the Short-Term Insurance Industry

Sustainability of the Short-Term Insurance Industry Sustainability of the Short-Term Insurance Industry Presented by: John Melville Executive Head: Risk Services, Santam Chairman of the SAIA 11 th June 2012 The Education Collaboration Response Business

More information

Periodic Payment Orders: impact on Pricing and Reinsurance Buying

Periodic Payment Orders: impact on Pricing and Reinsurance Buying General insurance pricing seminar Nathan Williams, RSA Periodic Payment Orders: impact on Pricing and Reinsurance Buying 2010 The Actuarial Profession www.actuaries.org.uk PPOs Impact For pricing consider

More information

CONTENTS TRAFFIC ACCIDENTS AND SAFETY POLICIES INTRODUCTION BOOK 1 TRAFFIC ACCIDENTS

CONTENTS TRAFFIC ACCIDENTS AND SAFETY POLICIES INTRODUCTION BOOK 1 TRAFFIC ACCIDENTS CONTENTS TRAFFIC ACCIDENTS AND SAFETY POLICIES INTRODUCTION 1. General Accident Statistics 3 2. Promotion of Traffic Safety Policy and Accident Trends 3 3. The Future Direction of Traffic Safety Measures

More information

Types of Insurance Grade Level 9-12

Types of Insurance Grade Level 9-12 1.10.1 Types of Insurance Grade Level 9-12 Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.6, 2.5.4, 2.6.1, 2.6.3,

More information

INTRODUCTION. Axis Insurance Managers specializes in structuring bespoke insurance solutions for the Oil & Gas Contracting Industry.

INTRODUCTION. Axis Insurance Managers specializes in structuring bespoke insurance solutions for the Oil & Gas Contracting Industry. INSURANCE GUIDE INTRODUCTION Axis Insurance Managers specializes in structuring bespoke solutions for the Oil & Gas Contracting Industry. We have developed relationships, programs and facilities with leading

More information

UNMANNED AIRCRAFT INSURANCE APPLICATION

UNMANNED AIRCRAFT INSURANCE APPLICATION AIG Aerospace Insurance Services, Inc. UNMANNED AIRCRAFT INSURANCE APPLICATION Applicant's Name Address STREET CITY STATE/PROVINCE ZIP/POSTAL CODE Is this address located on, or adjacent to, an airport?

More information

Introduction... 2. Capacity and Success... 3. Customer Service Charter... 4. Investment in Technology..5/6. Investment in People & Resources..

Introduction... 2. Capacity and Success... 3. Customer Service Charter... 4. Investment in Technology..5/6. Investment in People & Resources.. 1 Contents Introduction... 2 Capacity and Success... 3 Customer Service Charter... 4 Investment in Technology..5/6 Investment in People & Resources.. 7 Manging Third Party Costs & Service.........8 Reactive

More information

General Aviation Exemption from Annex 14, Vol I Rescue and Fire Fighting Provisions

General Aviation Exemption from Annex 14, Vol I Rescue and Fire Fighting Provisions AP/2 WP/XX (XX filled by Secretariat) AERODROMES PANEL (AP) SECOND MEETING Montreal, CANADA, 12 to 15 October 2010 Agenda Item 3: Rescue and Fire Fighting General Aviation Exemption from Annex 14, Vol

More information

Perfect Partners The Versatility of the King Air Ideal for Canada s Fast Air A MAGAZINE FOR THE OWNER/PILOT OF KING AIR AIRCRAFT

Perfect Partners The Versatility of the King Air Ideal for Canada s Fast Air A MAGAZINE FOR THE OWNER/PILOT OF KING AIR AIRCRAFT A MAGAZINE FOR THE OWNER/PILOT OF KING AIR AIRCRAFT AUGUST 2013 VOLUME 7, NUMBER 6 $4.50 Perfect Partners The Versatility of the King Air Ideal for Canada s Fast Air PRSRT STD U.S. Postage PAID Traverse

More information

SBAS 2015 SPACE BASED AUGMENTATION SYSTEM WORKSHOP

SBAS 2015 SPACE BASED AUGMENTATION SYSTEM WORKSHOP THALES SBAS 2015 SPACE BASED AUGMENTATION SYSTEM WORKSHOP 24 & 25 MARCH 2015 PHILLIP REISS CURRENT DIRECTOR AND PAST PRESIDENT AIRCRAFT OWNERS AND PILOTS ASSOCIATION OF AUSTRALIA BENEFITS TO AVIATION Vertical

More information

Current Issues with Air Medical Transportation: EMS Helicopter Safety

Current Issues with Air Medical Transportation: EMS Helicopter Safety Current Issues with Air Medical Transportation: EMS Helicopter Safety Robert L. Sumwalt NTSB Board Member May 4, 2011 What is the NTSB? Independent Federal Agency, charged by Congress to: Investigate transportation

More information

The State of Workplace Health and Safety in New Zealand

The State of Workplace Health and Safety in New Zealand WORKPLACE HEALTH & SAFETY September 2012 The State of Workplace Health and Safety in New Zealand This report is a snapshot of the state of workplace health and safety in New Zealand, bringing together

More information

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE Note: 1. All elements are data fields unless otherwise stated. 2. 'Text' elements must use the exact words and be printed with every certificate. 3.

More information

Who We Are. First Aircraft and Aircraft Acquisition

Who We Are. First Aircraft and Aircraft Acquisition A i r c r a f t M a n a g e m e n t Who We Are FlairJet, based at Oxford Airport, was established in 2009 and has developed a first class reputation for quality, service, safety and transparency. As part

More information

Transportation solutions driven by your business. The holistic alternative for BC based trucking business

Transportation solutions driven by your business. The holistic alternative for BC based trucking business Transportation solutions driven by your business The holistic alternative for BC based trucking business TM An integrated plan delivered by a leading global insurer, and the largest insurer of Transportation

More information

GAO AVIATION SAFETY. FAA s Use of Emergency Orders to Revoke or Suspend Operating Certificates

GAO AVIATION SAFETY. FAA s Use of Emergency Orders to Revoke or Suspend Operating Certificates GAO United States General Accounting Office Testimony Before the Subcommittee on Aviation, Committee on Transportation and Infrastructure, House of Representatives For Release on Delivery Expected at 9:30

More information

STATE OF VERMONT DEPARTMENT OF LABOR AND INDUSTRY

STATE OF VERMONT DEPARTMENT OF LABOR AND INDUSTRY STATE OF VERMONT DEPARTMENT OF LABOR AND INDUSTRY Stefan Kurant ) State File No. M-8732 ) ) By: Margaret A. Mangan ) Hearing Officer v. ) ) For: R. Tasha Wallis ) Commissioner Sugarbush Soaring Association,

More information

Victim Assistance Managing Expectations

Victim Assistance Managing Expectations Victim Assistance Managing Expectations Jurgen Whyte Department of Transport, Tourism and Sport Chief Inspector Leeson Lane Air Accident Investigation Unit Dublin 2 One of the most challenging aspects

More information

A Comprehensive. Approach for Next Generation Aviation Maintenance Professionals

A Comprehensive. Approach for Next Generation Aviation Maintenance Professionals A Comprehensive Competency-Based Training Approach for Next Generation Aviation Maintenance Professionals By Jurrie Boer Global Head of Maintenance Training Regulations Regulatory Affairs 1 March 2010,

More information

Protection for commercial pilots

Protection for commercial pilots Protection for commercial pilots Loss of licence Pilot income protection Over 30 years experience providing independent financial planning advice to expatriates and people working abroad Financial security

More information

THE CHARTERED INSURANCE INSTITUTE. Read the instructions on page 3 carefully before answering any questions.

THE CHARTERED INSURANCE INSTITUTE. Read the instructions on page 3 carefully before answering any questions. THE CHARTERED INSURANCE INSTITUTE P85 Diploma in Insurance Unit P85 Claims practice October 2014 examination Instructions Two hours are allowed for this paper. Do not begin writing until the invigilator

More information

Safety Management. Manual... Version 0.1

Safety Management. Manual... Version 0.1 Safety Management Manual... Version 0.1 Revision Table Version Date of effect Changes 0 2 Index Revision Table... 2 Index... 3 List of abbreviations... 5 Example: Safety policy statement... 7 Safety Goals...

More information

IN DEFENSE OF THE JONES ACT

IN DEFENSE OF THE JONES ACT IN DEFENSE OF THE JONES ACT ASBA Annual Cargo Conference Miami, FL September 26-28, 2012 Background of the Jones Act Section 27 of the Merchant Marine Act of 1920 (46 U.S.C. 883), commonly referred to

More information

Accident Bulletin 1/2010. Date and time of accident: 13 April 2010 at 1343 hours local time (0543 UTC)

Accident Bulletin 1/2010. Date and time of accident: 13 April 2010 at 1343 hours local time (0543 UTC) Chief Inspector of Accidents Accident Investigation Division Civil Aviation Department 46 th Floor Queensway Government Offices 66 Queensway Hong Kong Accident Bulletin 1/2010 Aircraft type: Airbus A330-342

More information

Insurance For Commercial Drones

Insurance For Commercial Drones Insurance For Commercial Drones A lecture by Dr. Edward (Ned) Swan, Elborne Mitchell LLP 29 July 2015 These notes are derived from a talk by Dr. Edward (Ned) Swan of Elborne Mitchell LLP, given at Lloyd's

More information

B. Accident insurance for employees. 8. Accident concept

B. Accident insurance for employees. 8. Accident concept Accident insurance for employees Insurance Terms No. SÞ20 The insurance policy is governed by: The insurance policy, including endorsements and special terms and conditions. These insurance terms, No.

More information

UAS Insurance - a business necessity. Unmanned Aircraft Systems Typical risks and insurance issues for commercial activities.

UAS Insurance - a business necessity. Unmanned Aircraft Systems Typical risks and insurance issues for commercial activities. UAS Insurance - a business necessity Unmanned Aircraft Systems Typical risks and insurance issues for commercial activities Adam Piper ACII September 2012 Agenda Introductions Current commercial activities

More information

New Customer Information (Please Print)

New Customer Information (Please Print) Training Only Rental & Training Basic Info New Customer Information (Please Print) Name Address Today's Date Date of Birth City State ZIP Cell Phone ( ) Email Work Phone ( ) Home Phone ( ) How did you

More information

Position Classification Standard for Aviation Safety Series, GS-1825. Table of Contents

Position Classification Standard for Aviation Safety Series, GS-1825. Table of Contents Position Classification Standard for Aviation Safety Series, GS-1825 Table of Contents SERIES DEFINITION... 2 OCCUPATIONAL INFORMATION... 2 EXCLUSIONS... 3 TITLES AND SPECIALIZATIONS... 4 CLASSIFICATION

More information

This chapter notes, where appropriate, further legislative reforms by the Commonwealth and each State or Territory jurisdiction.

This chapter notes, where appropriate, further legislative reforms by the Commonwealth and each State or Territory jurisdiction. FURTHER REFORMS Since 2002, jurisdictions across Australia have taken account of their individual circumstances and made alterations to their legislative regimes additional to the comprehensive programme

More information

Insurance Proposal Form for New Applicants

Insurance Proposal Form for New Applicants C/- Aon New Zealand Professional Risks Insurance Proposal Form for New Applicants P O Box 2517 Wellington 6140 Tel (04) 819 4000 Fax (04) 819 4106 E-mail: abacus@aon.co.nz Website: www.abacus.org.nz This

More information

Manifesto. Giving Strength to the Voice of The Independent Broker

Manifesto. Giving Strength to the Voice of The Independent Broker Manifesto Giving Strength to the Voice of The Independent Broker Brokerbility Ltd, AGM House, 3 Barton Close, Grove Park, Enderby, Leicester LE19 1SJ www.brokerbility.co.uk Authorised and regulated by

More information

3. Turkey Life and Non-Life Insurance Market Size by Value, 2001-2015

3. Turkey Life and Non-Life Insurance Market Size by Value, 2001-2015 TABLE OF CONTENTS 1. Turkey Insurance Market Introduction 2. Turkey Insurance Market Structure 2.1. Number of Insurance Companies in Turkey, 2001-2009 2.2. Headcount in Turkey Insurance Sector, 2001-2009

More information

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16 2 The Cost of Car Insurance for Young Drivers in Northern Ireland Introduction 4 What we did 4 Being a younger driver: the key findings 5 Why premiums vary 8 Recommendations 11 References 12 Ways to cut

More information

800 How s My Driving? Identify risky driving behavior and promote your company s commitment to safety.

800 How s My Driving? Identify risky driving behavior and promote your company s commitment to safety. Identify risky driving behavior and promote your company s commitment to safety. As much as you strive for a safer fleet, you can t always be there to monitor your fleet drivers. But with LeasePlan s program,

More information

INSURANCE APPORTIONMENT SCHEDULE

INSURANCE APPORTIONMENT SCHEDULE INSURANCE APPORTIONMENT SCHEDULE Class of insurance Aviation Hull, Aviation Hull Third Party Property Liability and Aviation Hull Personal Liability Where the aircraft, the subject of the insurance, is

More information

. g .,, . . , Applicability of

More information

Employers Liability Coverage Endorsement WC 00 03 03 B Federal Employers Liability Act Coverage WC 01 01 04

Employers Liability Coverage Endorsement WC 00 03 03 B Federal Employers Liability Act Coverage WC 01 01 04 TO: FROM: Pennsylvania Classification & Rating Committee Betty Ann Campbell Director Rating Rules & Policy Reporting DATE: December 8, 2004 RE: Employers Liability Coverage Endorsement WC 00 03 03 B Federal

More information

The Berkeley Group LLC

The Berkeley Group LLC WINGMAN STANDARD AUDIT REPORT by The Berkeley Group LLC Dba Name: NV Jets Operating Certificate # 9TBA565M Onsite Evaluation July 22-24, 2015 The Wingman Standard, Revision 3.0 ICAO Document 9859, Third

More information

18.0 Flying Training Authorisation on an AOC

18.0 Flying Training Authorisation on an AOC 18.1 Introduction Flying training, is a commercial purpose as defined by CAR 206(1)(a)(vi), and it is required by s27(9) of the Act to be conducted under the authorisation of an AOC. CAR 206(1)(a)(vi)

More information

Cash Back Cover We ve got you covered for life.

Cash Back Cover We ve got you covered for life. Cash Back Cover We ve got you covered for life. Contents Combined Product Disclosure Statement and Financial Services Guide Page No. Product Disclosure Statement 3 About Cash Back Cover 3 Information about

More information

Employers Liability Claim Form

Employers Liability Claim Form Claims Reference No. (if known) Employers Liability Claim Form 1. You the Policyholder of Insured Postcode Contact Number Policy Number Business Date Premium Paid Are you a Registered Trade for VAT purposes?

More information

CEIOPS-DOC-22/09. (former CP27) October 2009. CEIOPS e.v. Westhafenplatz 1-60327 Frankfurt Germany Tel. + 49 69-951119-20

CEIOPS-DOC-22/09. (former CP27) October 2009. CEIOPS e.v. Westhafenplatz 1-60327 Frankfurt Germany Tel. + 49 69-951119-20 CEIOPS-DOC-22/09 CEIOPS Advice for Level 2 Implementing Measures on Solvency II: Technical Provisions - Lines of business on the basis of which (re)insurance obligations are to be segmented (former CP27)

More information

AVIATION SPECIALIST. Inspects aviation schools for conformance with state laws, rules, and regulations.

AVIATION SPECIALIST. Inspects aviation schools for conformance with state laws, rules, and regulations. MICHIGAN CIVIL SERVICE COMMISSION JOB SPECIFICATION AVIATION SPECIALIST JOB DESCRIPTION Employees in this job complete and oversee a variety of professional assignments to promote aviation education and

More information

The American Council of Life Insurers. Written Statement for the Record. for. Maintaining the Disability Insurance Trust Fund s Solvency.

The American Council of Life Insurers. Written Statement for the Record. for. Maintaining the Disability Insurance Trust Fund s Solvency. The American Council of Life Insurers Written Statement for the Record for Maintaining the Disability Insurance Trust Fund s Solvency Before the United States House Committee on Ways and Means Subcommittee

More information

Flight Training Program Outline Recreational Pilot Permit

Flight Training Program Outline Recreational Pilot Permit Flight Training Program Outline Recreational Pilot Permit Last updated September 2015 Table of Contents Introduction:... 1 Privileges:... 1 Prerequisites:... 2 Cost Breakdown... 2 Age... 3 Medical Fitness

More information

Statistical release P5002

Statistical release P5002 Statistical release (Preliminary) Embargoed until: 22 November 2012 13:00 Enquiries: User Information Services 012 310 8600/8351 1 Table of Contents 1. Summary of findings for the year 2011... 2 Figure

More information

Bruce Gerald Flint. Liability limited by a Scheme approved under Professional Standards Legislation

Bruce Gerald Flint. Liability limited by a Scheme approved under Professional Standards Legislation ABN 65 103 438 277 It s all about money. PO BOX 249 South Hurstville NSW 2221 DX 11319 Hurstville Tel: 02 9584 1474 Fax: 02 9584 1475 E-mail: action@flintforensics.com.au Website: www.flintforensics.com.au

More information

Reforming the NSW Workers Compensation System. Rob Thomson General Manager, Workers Compensation WorkCover NSW

Reforming the NSW Workers Compensation System. Rob Thomson General Manager, Workers Compensation WorkCover NSW Reforming the NSW Workers Compensation System Rob Thomson General Manager, Workers Compensation WorkCover NSW Outline NSW System overview NSW Scheme performance Reforming the NSW System Recent initiatives

More information

GENERAL THIRD PARTY LIABILITY AND PROFESSIONAL LIABILITY INSURANCE RULES

GENERAL THIRD PARTY LIABILITY AND PROFESSIONAL LIABILITY INSURANCE RULES GENERAL THIRD PARTY LIABILITY AND PROFESSIONAL LIABILITY INSURANCE RULES Baku 2009 GENERAL THIRD PARTY LIABILITY AND PROFESSIONAL LIABILITY INSURANCE RULES General Provisions General Third Party Liability

More information

Calculation of premium. Guidance for employers who pay more than $1.5 million in wages. 22 May 2015 - GD700 V5

Calculation of premium. Guidance for employers who pay more than $1.5 million in wages. 22 May 2015 - GD700 V5 Calculation of premium Guidance for employers who pay more than $1.5 million in wages 22 May 2015 - GD700 V5 Calculation of premium Every employer who employs workers in Queensland must take out an accident

More information

Coverage Options. Setting the Standard for Church Insurance since 1972

Coverage Options. Setting the Standard for Church Insurance since 1972 Coverage Options Over 6,000 churches and Christian charities from coast to coast in Canada choose the comprehensive protection, premium savings and complete confidence provided by Church Protection Plus.

More information

Predictive Modeling Of Potential Serious Injury Risk. October Meeting Connecticut Valley Chapter American Society of Safety Engineers

Predictive Modeling Of Potential Serious Injury Risk. October Meeting Connecticut Valley Chapter American Society of Safety Engineers Predictive Modeling Of Potential Serious Injury Risk October Meeting Connecticut Valley Chapter American Society of Safety Engineers Brian B. Bethel, CIH Sikorsky Aircraft Lyndsey Beaudin Rochester Institute

More information

b) Describe the concept of ERROR CHAIN in aviation.

b) Describe the concept of ERROR CHAIN in aviation. 1. Crew Resource Management (CRM) was celebrated as the convergence ofa concept, an attitude and a practical approach to pilot training. a) What is the CRM all about and how this program could improve

More information

Accident Rate Comparisons

Accident Rate Comparisons 99 - M. Campbell Safety Analyst Airworthiness Updated November 3 DW68- Civil Aviation Authority Table of Contents Introduction... Summary... Analysis... Aircraft grouping... USA...... Australia... Total

More information

Automobile Insurance Grade Level 9-12

Automobile Insurance Grade Level 9-12 Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:

More information

STAFF INCOME PROTECTION

STAFF INCOME PROTECTION A guide to STAFF INCOME PROTECTION with PG Mutual www.pgmutual.co.uk We hope that you find this guide to PG Mutual s Staff Income Protection Plan useful. If you would like to know more, please contact

More information

An ISO 9001 : 2008 Certified Company WINNING AND SUSTAINING CUSTOMER TRUST

An ISO 9001 : 2008 Certified Company WINNING AND SUSTAINING CUSTOMER TRUST An ISO 9001 : 2008 Certified Company WINNING AND SUSTAINING CUSTOMER TRUST. 15 YEARS OF INSURANCE BROKING WELCOME TO INDIA INSURE India s first Licensed Insurance Broker with a Team of 150 professionals

More information

Peter Aldrick, Chief Executive Officer

Peter Aldrick, Chief Executive Officer Peter Aldrick, Chief Executive Officer February 1993 Following concerns from Hospital Consultants over survival rates during transportation to hospitals in the region, a group of farmers in Lincolnshire

More information

Session1: Commercial Pricing & Rate Adequacy

Session1: Commercial Pricing & Rate Adequacy 08/08/2014 INSTITUTE OF ACTUARIES OF INDIA 5th Capacity Building Seminar in GI Session1: Commercial Pricing & Rate Adequacy Table of Contents 1. What is Commercial Insurance? 2. SME and Large Enterprises

More information

Towards performance based oversight the Danish Transport Authority approach Indsæt billede her 8,1 cm. højt x 16,3 cm. bredt

Towards performance based oversight the Danish Transport Authority approach Indsæt billede her 8,1 cm. højt x 16,3 cm. bredt Towards performance based oversight the Danish Transport Authority approach Indsæt billede her 8,1 cm. højt x 16,3 cm. bredt Safety Conference, 31 October 2013 Jesper Rasmussen, Deputy Director-General,

More information

Income Protection Plan LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE

Income Protection Plan LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE Income Protection Plan LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE The only limit to our realisation of tomorrow will be our doubts of today. - Franklin D. Roosevelt 1 / Liberty Corporate Income

More information

Lobbying for Flying With Insulin-Treated Diabetes RAISING DIABETES AWARENESS

Lobbying for Flying With Insulin-Treated Diabetes RAISING DIABETES AWARENESS Lobbying for Flying With Insulin-Treated Diabetes RAISING DIABETES AWARENESS Where we are now Where we want to go! RAISING DIABETES AWARENESS Pilots With Diabetes Formation Flight September 2012 EASA Some

More information

ECCAIRS Aviation 1.3.0.12 Data Definition Standard

ECCAIRS Aviation 1.3.0.12 Data Definition Standard ECCAIRS Aviation 1.3.0.12 Data Definition Standard English Attribute Values Commercial Air Transport (Commercial Air Transport ) 1000000 Commercial air transport operation. An aircraft operation involving

More information

Suggested exam preparation manuals for the skills evaluated by the Autorité des marchés financiers(amf)

Suggested exam preparation manuals for the skills evaluated by the Autorité des marchés financiers(amf) Suggested exam preparation manuals for the skills evaluated by the Autorité des marchés financiers(amf) Summary tables Update 2015-05-01 Consult the following tables to identify the sets of exam preparation

More information

Parents of Teen Drivers with AD/HD: Proceed with Caution

Parents of Teen Drivers with AD/HD: Proceed with Caution Parents of Teen Drivers with AD/HD: Proceed with Caution Of all the health risks to young people diseases, drug over-doses, homicides, suicides none is as likely to cause serious injury or even death than

More information