“Aviation insurance is not a commodity, it is a relationship business.  To consistently get the best results I believe in developing the right chemistry and relationship between client, broker, and underwriter.”  - Jim Gardner

 

"Jim’s background as an Air Force pilot, Airline pilot, and aircraft owner allows him to see things not just as an insurance broker but also as a colleague. Having a broker of his character and professionalism gives me the peace of mind to know that my broker is on my side, making my interests his interests."

Todd McCutchan
Director of Aviation, VQBGS, Ltd.
President of Fast Aircraft, Inc.

 

Jim Gardner, President The James A Gardner Company PO Box 680905Marietta, GA 30068 Phone: 678-278-2100Fax: 678-398-7038

The Anatomy of Aviation Insurance

14 Items found

Why We Train

As a professional pilot for over 30 years and retired US Airways pilot I have a great deal of admiration for the professionalism demonstrated by the entire crew of US Airways Flight 1549. The three minute flight following the bird strikes, subsequent wet...

Shopping For Aviation Insurance - The Broker System

There is a persistent misconception that all aviation insurance agents work for the insurance companies. First, there are two kinds of agents: captive agents and independent agents or brokers. In the auto insurance industry companies like State Farm or...

The Dreaded Broker of Record Letter

The broker of record letter is a simple document that establishes the written intent of an aircraft owner or commercial operator for the insurance underwriters to deal with a specific broker. Unfortunately this simple document is misunderstood by many...

Preparing for Renewal in a Changing Market

There are several indications the current soft market that began in 2006 may have bottomed out, signaling a potential return to the hard markets seen in 2001 -2005.

A "Hard Market" is generally characterized by fewer markets bidding on a particular...

Good Risk, Bad Risk? - The Underwriter's Dilemma

While the aviation community is relatively small compared to other industries, I have found on various aviation trade organization forums a rich source of talented and knowledgeable aviation professionals who willing share what they have learned. They are...

Choose Your Aviation Insurance Broker Wisely

Choosing the right broker can be the most important thing you do to assure the best coverage at the best price.

A previous article briefly described three methods of choosing a broker; a) the shotgun approach, b) providing a test by assigning...

Getting the Best Results in Any Insurance Market

We are in the midst of a soft market that began in 2006.   Since then, aviation insurance rates have declined to their lowest point in history.  Beginning in the winter of 2010 many in the aviation insurance industry have been predicting a...

Aviation Insurance Outlook for 2011 - Are Rates on the Rise?

Overall the aviation insurance market is flat.  While there isn’t a single underwriter who does not want to raise premiums, over capacity and the sluggish economy is keeping rates in check.  In addition, the poor performance of other...

A Workers Comp Controversy for FBO's

A common practice for many FBO2019s has been to classify their customer service representatives who work behind the counter in the FBO lobby as clerical employees, if for no other reason than this was a logical choice given the work environment of the...

Claims: The Importance of Keeping Records

Consider the following adaptation of an actual  incident several years ago.  The pilot of a turbine helicopter wasn’t paying close enough attention to his fuel management.  He ran out of fuel trying to make it back to the heliport on...

Hold Harmless Agreements

The current soft market has provided a windfall for most aircraft and helicopter owners and operators, as well as FBO’s and maintenance providers.  However, the economy has hit service providers particularly hard.   Since reducing...

Subrogation and the Non-Owner Pilot

Subrogation is the right that every insurance company reserves in all insurance policies to recover losses from a third party deemed to have contributed to the loss.  In many cases that third party could be the non-owner pilot whether the pilot is...

Workers Comp Independent Contractor or Employee

A past article in a National Business Aviation Association quarterly publication addressed whether flight departments should use independent contractors.  While the article’s focus was on IRS tax issues, it raised some very relevant issues that...

Uninsured Independent Contractors and Service Providers

Many corporate operators have a single Director of Maintenance (DOM), Crew Chief, or mechanic that oversees the maintenance of their aircraft.  They perform most of the day to day maintenance requirements.  When they have a large inspection or...