aviation insurance

THE GENERAL AVIATION RISK APPLICATION

WEBINAR

Presented by:

BLAIS AVIATION INSURANCE SERVICES

JANUARY 28, 2010

WWW.BLAIS AVIATION.COM1

AVIATION INSURANCEAPPLICATIONS

There are a number of aviation exposures and each has its own application(s). This webinar will focus on the

general aviation exposure application and pilot questionnaire. You can view the various applications by visiting the Blais Aviation Insurance Services website.

www.blaisaviation.com

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INDUSTRIAL AID

PLEASURE & BUSINESS

SINGLE ENGINE

TYPES OF AVIATION EXPOSURES

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PLEASURE & BUSINESSROTORWING

PLEASURE & BUSINESS

MULTI ENGINE

TYPES OF AVIATION EXPOSURES

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STUDENT PILOTS AEROBATIC

TYPES OF AVIATION EXPOSURES

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AIRSHOWS WARBIRDS

TYPES OF AVIATION EXPOSURES

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SMALL AIRPORTS LARGE AIRPORTS

TYPES OF AVIATION EXPOSURES

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FIXED BASED OPERATORS FBO’S

MANUFACTURES PRODUCTS COMPLETED

OPERATIONS

TYPES OF AVIATION EXPOSURES

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AVIATION UNDERWRITING & ANALYSIS

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Every aviation insurance underwriter has slightly different guidelines he/she follows to

arrive at a rate, but virtually without exception they all take the following into consideration

somewhere in their deliberations. Each factor, to the Underwriter, represents a change in the

chance of an accident or affects his/her chances of profit from your policy.

KEY FACTORS AVIATION UNDERWRITERS CONSIDER

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• What kind of aircraft & age• Avionics – Control Panel• Value• Common locations flown to• Who are the pilots – skills!• How is the aircraft used• Where is the aircraft kept• Claim data

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AIRCRAFT

Pleasure & BusinessIndustrial Aid

Instructional – RentalCharter

Pipeline PatrolPower Line Patrol

Crop DustingBanner Towing

StudentPrivate

CommercialATP

InstrumentInstructor

Type RatingTotal Hours

Make & Model HoursSingle Engine Land Multi Engine LandSingle Engine Sea Multi Engine SeaTurbo Prop Turbo Jet

Complex Avionics Unusual Characistics

THE COMPONENTS OF AVIATION UNDERWRITING

FOR GENERAL AVIATION RISKSUNDERWRITERS WILL REQUIRE THE FOLLOWING APPLICATIONS

PILOT QUESTIONNAIRE&

AIRCRAFT APPLICATION

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Name of Aircraft Owner:

Name of Pilot: Date of Birth:

Address:

Pilot’s Occupation:

Employer: Date Employed:

PILOT QUESTIONNAIRE

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PILOT QUESTIONNAIRECheck All Certificates and Ratings Currently Held

( ) Student

( ) Private

( ) Instrument

( ) Commercial

( ) Instructor

( ) Airline Transport

( ) Single Engine Land

( ) Single Engine Sea

( ) Multi Engine Land

( ) Multi Engine Sea

( ) Rotorwing

( ) Centerline Thrust

( ) Mechanic Airframe

( ) Mechanic Powerplant

( ) Other (Specify)

( ) Type Rating (Specify Aircraft)

15PILOT QUESTIONNAIRE

Airman’s Certificate No: Date Certified:

If Student: (Name of instructor or FBO) - (Instruction airport location)

Date of Last Medical: Class of Medical:

Medical Waivers ( ) Yes ( ) No If Yes please explain:

Date of Last Biennial Review :

Type of Aircraft Used:

Date of Last Simulator Instruction:

Manufacturers Ground and Attended and Dates:

AOPA Membership #: EAA Membership #:

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PILOT QUESTIONNAIRE

High School: 1. ( ) 2. ( ) 3. ( ) 4. ( )

College: 1. ( ) 2. ( ) 3 ( ) 4.( )

Graduate School1. ( ) 2. ( ) 3 ( ) 4.( )

Name Of School Years Attended Did You Graduate?

EDUCATION

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PILOT QUESTIONNAIRE

FLYING EXPERIENCEPlease show flying experience in logged hours. Do not group different aircraft of the same type in the category for the make and model on which approval is being sought. If hours can not be substantiated by log books, please explain how hours have been verified/reconstructed.

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PILOT QUESTIONNAIRE – FLYING EXPERIENCE

Single Engine Aircraft

Make and Model of Aircraft Pilot in Command

Co-Pilot Total Time Total Last 12 Months

Total Last 90 Days

Total Single Engine:

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PILOT QUESTIONNAIRE – FLYING EXPERIENCE

Multi Engine Aircraft & Jet AircraftMake and Model of Aircraft

Pilot in Command

Co-Pilot

Total Time

Total Last 12 Months

Total Last 90 Days

Total Multi-Engine:

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PILOT QUESTIONNAIRE – FLYING EXPERIENCE

Seaplanes and Helicopters

Make and Model of Aircraft

Pilot in Command

Co-Pilot Total Time

Total Last 12 Months

Total Last 90 Days

Total Sea/Helo. :

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PILOT QUESTIONNAIRE – FLYING EXPERIENCE

Single Engine AircraftMake and Model of Aircraft Pilot in

CommandCo-Pilot Total Time Total Last 12

MonthsTotal Last 90 Days

Total Single Engine: Multi Engine Aircraft & Jet Aircraft

Make and Model of Aircraft Pilot in Command

Co-Pilot Total Time Total Last 12 Months

Total Last 90 Days

Total Multi-Engine: Seaplanes and Helicopters

Make and Model of Aircraft Pilot in Command

Co-Pilot Total Time Total Last 12 Months

Total Last 90 Days

Total Sea/Helo.:

Grand Total

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PILOT QUESTIONNAIRE

Have you ever been involved in an aircraft accident?( ) Yes ( ) NoIf Yes please explain:

Location Date Make and Model Remarks

AIRCRAFT ACCIDENTS

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PILOT QUESTIONNAIRE

Please Explain Circumstances:

1.If you have a physical impairment, waiver, limitation, or conditions on your Medical or Pilot Certificate.

2.If an FAA, Transport Canada, Military Pilot or other similar Certificate held by you has been suspended or revoked.

3.If you have ever been cited for a violation of any aviation regulation in any country.

4.If you have ever been convicted of or pleaded guilty to a felony or driving while intoxicated.

Explanations:

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PILOT QUESTIONNAIRE

Name of Agent or Broker:

Address:

All particulars herein are declared to be true and complete to the best of my/our knowledge and no information has been withheld or omitted. I/We agree that this application and the terms and conditions of the policy in use by the insurer shall be the basis of any contract between Me/Us and the Insurer. I herby authorize the insurer to investigate all or any qualifications and/or statements contained herein.

Date: Applicant’s Signature (s):

THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE THE APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE

COMPANY AGREES TO EFFECT THE INSURANCE.

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BLAIS AVIATION INSURANCE SERVICES

Phone: 972-818-4090Fax 972-818-4088www.blaisaviation.com

Agent or Broker Address

Phone Fax E-Mail

Named Insured & Address:E-Mail Address:

Current Insurance Company:Effective Date:

Business Occupation:

Insurance is requested from: 12:01 AM to 12:01 AM

Phone: Residence ( ) Phone: Business ( ) Phone: Fax ( )E-Mail Address:

AIRCRAFT INSURANCE APPLICATION

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AIRCRAFT INSURANCE APPLICATION

Year, Make & Model FAANumber

TotalSeats

Engine Hours

Engine Horsepower

AIRCRAFT

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AIRCRAFT INSURANCE APPLICATION

AIRCRAFT

Aircraft usually based and ( ) Hangered ( ) Tied Down at (City & State):________________________________________________

Airport: __________________________________ ( ) Private Airport ( ) Public Airport Paved Runways Yes ( ) No ( )

Are any flights contemplated outside continental U.S.? ( ) Yes ( ) No If “Yes”, where: _____________________________________

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AIRCRAFT INSURANCE APPLICATION

LIABILITY COVERAGE LIMITSEach Person Each Occurrence

Premiums

A. Bodily Injury, excluding passengers $ $ $

B. Passenger Bodily Injury $ $ $

C. Property Damage XXXXXX $ $

D. Combined Single Limit Bodily Injury and Property Damage,

( ) Including Passengers ( ) Excluding Passengers

Limiting Each( ) person or ( ) Passenger to $

$ Each Occurrence

$

E. Medical Payments: ___including Crew $ $ $

PHYSICAL DAMAGE COVERAGE Insured Value Deductible

F. While Not In Motion $ $ $

G. While In Motion $ $ $

Other $

COVERAGES AND LIMITS

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AIRCRAFT INSURANCE APPLICATION

USAGE AND OPERATION( ) Pleasure and Business( ) Industrial Aid( ) Limited Commercial ( ) Commercial Excluding Instruction & Rental( ) Commercial ( ) Flying Club( ) Low Altitude Photography( ) Air Ambulance( ) Air Hearse( ) Patrol Flights( ) Banner Towing( ) Crop Dusting( ) Instruction of: (Name of Student): ( ) Special Uses – Please Describe:

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AIRCRAFT INSURANCE APPLICATION

Applicant is:( ) Sole Owner( ) Owner subject to mortgage or conditional sales contract.( ) Lessee ( ) Other – explainApplicant is:( ) Individual ( ) Corporation ( ) Limited Liability Corporation( ) Co-Ownership/Partnership

If aircraft is encumbered, name and address of lienholder or lessor:

Amount of encumbrance (excluding interest and finance chargers):$

Will Lienholder’s Interest be required by lienholder? ( ) Yes ( ) No

OWNERSHIP INFORMATION

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AIRCRAFT INSURANCE APPLICATION

PILOT

NAME OF PILOT

DateOfBirth

Certification (s) & RatingsPlease List

Medical CertificateDate Class

Hours Logged as Pilot in Command

All Aircraft Make and ModelTotalSELMEL Total Last 90 days12 Months

PILOT INFORMATIONPilot No. 1 Pilot No. 2 Pilot No. 3

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AIRCRAFT INSURANCE APPLICATION

PILOT

PILOT INFORMATIONPilot No. 1 Pilot No. 2 Pilot No. 3

FAA Certificate Number

Date of Last Biennial Flight Review

Details of other proficiency training

Name and address of pilot’s employer if other than applicant:

Pilots AOPA or EAA Membership Number/s if a member:

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AIRCRAFT INSURANCE APPLICATION

Does the aircraft have OTHER than a standard airworthiness certificate in full effect?

Are there any other aircraft owned by the applicant?

Has the aircraft been equipped with modifications not provided by the manufacturer?

Will the aircraft be normally operated in OTHER than paved public airports?

Will the aircraft be used for student or pilot instruction OTHER than for recurrent training of pilots listed in the “Pilot Information” Section of this application?

Will other than the applicant and pilots listed in the “Pilot Information” Section of this application have use of the aircraft?

Will aircraft be used for any purpose (s) for which a charge is made?

Is there any unrepaired damage to the aircraft?

Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been involved in any aircraft accident? Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been cited for violation of any aviation regulation in any country?

SUPPLEMENTAL QUESTIONS

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AIRCRAFT INSURANCE APPLICATION

Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever had an FAA, Military, or other pilot certificate suspended or revoked?

Does the applicant or any pilot listed in the “Pilot Information” Section of this application have any; (a) physical impairments, (b) waivers, limitations, conditions on their medical certificates or on their airman certificates? If “Yes” please explain.

Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been convicted of or plead guilty to a felony, possession of drugs, or of driving while intoxicated?

Please Explain any “Yes” answer in the space below or on a separate sheet of paper:

SUPPLEMENTAL QUESTIONS

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AIRCRAFT INSURANCE APPLICATION

MINIMUM PILOT REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight unless the aircraft is being operated by the pilot(s) designated on this document who has/have at least the certificates, ratings, and pilot experience indicated, and who, is/are qualified for the flight involved.

INITIAL .USE REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight if the aircraft is used for any purpose other than the use designated on this document.

INITIAL .

AIRWORTHINESS REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight unless a standard airworthiness certificate in full effect

INITIAL

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AIRCRAFT INSURANCE APPLICATION

All particulars herein are declared to be true and complete to the best of my/our knowledge and no information has been withheld or omitted. I/We agree that this application and the terms and conditions of the policy in use by the insurer shall be the basis of any contract between Me/Us and the Insurer. I herby authorize the insurer to investigate all or any qualifications and/or statements contained herein.FRAUD WARNING: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material hereto commits a fraudulent insurance act, which is a crime.I/We authorize to represent me/us in placing this insurance.Date: _____________________ Applicant’s Signature (s): __________________________

THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE THE APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE COMPANY AGREES TO

EFFECT THE INSURANCE.

Other

Aircraft

Pilot

Location

Use

PILOT WARRANTY

Make sure you take noteof the pilot warranty wording

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HIGH WING AIRCRAFT

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LOW WING AIRCRAFT

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BI PLANE

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AVIATION PHONETIC ALPHABET

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My aircraft tail number is 1935 Lima – Tango and I am located on Taxiway Quebec on the north side of airport Alpha – Delta - Sierra

TRANSLATION“My aircraft tail number is 1935LT and I am located on Taxiway Q on the

north side of airport ADS”

The Aviation Phonetic Alphabet

CHARACTER TELEPHONY PHONIC (PRONUNCIATION)

A Alfa (AL-FAH)

B Bravo (BRAH-VOH)

C Charlie (CHAR-LEE) or (SHAR-LEE)

D Delta (DELL-TAH)

E Echo (ECK-OH)

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The Aviation Phonetic Alphabet

CHARACTER TELEPHONY PHONIC (PRONUNCIATION)

F FOXTROT (FOX-TROT)

G Golf (GOLF)

H Hotel (HOH-TEL)

I India (IN-DEE-AH)

J Juliet (JEW-LEE-ETT)

K Kilo (KEY-LOH)

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The Aviation Phonetic Alphabet

CHARACTER TELEPHONY PHONIC (PRONUNCIATION)

L Lima (LEE-MAH)

M Mike (MIKE)

N November (NO-VEM-BER)

O Oscar (OSS-CAH)

P Papa (PAH-PAH)

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The Aviation Phonetic Alphabet

CHARACTER TELEPHONY PHONIC (PRONUNCIATION)

Q Quebec (KEH-BECK)

R Romeo (ROW-ME-OH)

S Sierra (SEE-AIR-RAH)

T Tango (TANG-GO)

U Uniform (YOU-NEE-FORM) or (OO-NEE-FORM)

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The Aviation Phonetic Alphabet

CHARACTER TELEPHONY PHONIC (PRONUNCIATION)

V Victor (VIK-TAH)

W Whiskey (WISS-KEY)

X X ray (ECKS-RAY)

Y Yankee (YANK-KEY)

Z Zulu (ZOO-LOO)

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AVIATION ABBREVIATIONS

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“I am willing to insure a CFI who will be using a Fixed CONV SEL to give Dual to P’s, COM’s, or ATP’s; no SOLO until 10 hours in M&M”

TRANSLATION

I am willing to insure a Certified Flight Instructor who will be using a plane with non retractable conventional gear with a tail wheel to give training by a

qualified instructor to Private Licensed, Commercial Licensed or Airline Transport Pilots. There will be no solo flying until 10 hours instruction in the

make and model has been completed.

AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.

Insurance abbreviationsPage 1 of 11

AMES – Aircraft multi engine, seaASES – Aircraft single engine, sea

ATP – Airline Transport PilotBFR – Biannual flight review

C – Commercial licenseCFI – Certified flight instructor

CFII – Certified flight instructor, instrument Conv - Conventional landing gear with tail wheel

Dual – training given by a qualified instructor

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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.

Insurance abbreviationsPage 2 of 11

Fixed – non-retractable landing gearFixed tri – Fixed tri-cycle landing gear

FR – Flight review G & F – ground and flight

GNIM – ground not in motionGNIF – Ground not in flight

G & T – Ground and taxiHeli – helicopter or rotor wing

Hr - Hours

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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.

Insurance abbreviationsPage 3 of 11

I – Instrument ratedIFR – Instrument rated

ICC – Instrument competency checkIPC – Instrument proficiency check

M – multi engineMed – medical payments

Med pay – medical paymentsME – Multi engine

MEL – Multi engine landMEI – Multi engine instructor

MM – Make and modelM & M – Make and model

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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.

Insurance abbreviationsPage 4 of 11

OPW – Open pilot warrantyP – Private licensePax - Passengers

PIC - Pilot in command RG – Retractable gear

Rotor – Helicopter or rotorcraftRW – Rotor wing

SE – Single engineSEL – Single engine landSES – Single engine sea

SIC – Second in commandSolo – no passengers or flight instructor in aircraft

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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.

Insurance abbreviationsPage 5 of 11

TO – Take offTO & L – Take off and landings

TRI – Tri-gear TW – Tailwheel TT – Total time

TTL – Total time logged

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AIRCRAFT ABBREVIATIONPage 6 OF 11

0SFRM - zero time since a factory remanufacture0SMOH - Zero time since major engine overhaul

FWF - Firewall forwardMDH - major damage history

NDH - No damage history

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AIRCRAFT ABBREVIATIONPage 7 OF 11

SCMOH - Since chrome cylinder major overhaulSFRM - Since factory remanufactureSMOH - Since major engine overhaul

SOH - since engine overhaul (not necessarily a major)SPOH - Since prop overhaul

STOH - Since top overhaul (pistons, cylinders and valve train)

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AIRCRAFT ABBREVIATIONPage 8 of 11

TBO - Time between overhauls (factory recommendations)TT - Total time

TTA - Total time on the airframeTTAE - Total time on the airframe and engine

TTE - Total time on the engineTTSN - Total time since new

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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 9 of 11

Amp - Amperage of the alternator (electrical system rating)Alt - Alternator

AOC - Angle of climbC/S - Constant speed (governed speed, adjustable pitch) propeller

Cu. In. - Cubic inches displacement of enginesFixed tri gear - non retractable tricycle landing gear with a nose wheel

F/P - Fixed pitch (non adjustable) propellerFPM - Feet per minute (usually regarding climb)

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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 10 of 11

Gen - Generator GPH - Gallons per hour MPH - Miles per hour

HP - Horsepower of engineKTS - Knots (1 knot = 1.151 statue miles per hour, or 1852 kilometers per hour)

L/R - Long-range fuel NM - Nautical mile = approximately 6,080 ft.

Oct. - Octane rating of fuel.

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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 11 of 11

PSI - Pounds per square inch (tire and strut pressure)Ret. tri gear - Retractable tricycle landing gear with a nose wheel

ROC - Rate of climbSM - Statue mile = 5,280 ft.

Sq. Ft. - Square feet regarding wing area.STD - Standard fuel

V – VoltsVis - Viscosity of oil

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AVIATION APPLICATIONQUESTION – ANSWER

SESSION

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Blais Aviation Insurance Services(A division of Blais Excess & Surplus Agency of Texas, Ltd.)

A wholesale specialty facility dedicated to serve as an agent/brokers backroom in the design, placement and

service of aviation insurance.

www.blaisaviation.com

Dallas 972 818-4090Houston 713 780-7787Austin 512 894-3460

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