While pilot and passenger injuries and damage to the aircraft itself are not covered under a Third Party program, financial responsibilities bodily injury or property damage caused by the aircraft for which the pilot is found to be legally liable to pay to others is covered. Additional insured parties such as landowners, municipalities and airports, can also be covered under this type of policy. Because the possession of Third Party coverage provides landowners with a Certificate of Insurance showing that coverage is in place, access to more flying sites are accessible for the operation of your aircraft.

Members can learn more about how they can participate in the policy by downloading the application or by contacting USUA directly for an application. Please remember, USUA is not involved with providing Certificates of Insurance or responding to future claims.

When one engages in recreational activities requiring the use of a vehicle - whether it be land, water, or air sports related - there are inherent factors that could result in liability issues. No one wants to enjoy an activity and then have the pleasure of it clouded with possible situations that would result in liability claims against their hard earned savings. This Third Party liability insurance for USUA members can help relieve the worry of possible claims against the pilot should this type of situation occur. Additionally, access to airports, flight parks, and flying events often require liability coverage. Many states require insurance of this nature just to operate an airplane of any description. Third party liability coverage is also less expensive than full coverage, and therefore allows USUA members the opportunity to enjoy the thrill of aviation without the worry of liability concerns or the expense of high-priced insurance.

In order to keep the cost of the program affordable, the policy that USUA has with First Flight Insurance Group, Inc., is written as a master policy to USUA. It enables USUA members, who are not engaged in commercial operations, to enjoy the benefits of Third Party Liability insurance coverage by being added as an additional insured on the USUA policy, should they so choose. Because of this, all insured pilots must be current members of USUA. To apply for coverage, simply fill out the insurance application found on this website and send it to First Flight Insurance Group, Inc.

Current USUA members who are a registered, certificated or licensed pilot are eligible. Sport Pilot Students who are endorsed to solo are also eligible. Pilot registration can be with any FAA recognized organization (USUA, EAA, ASC or FAA). If you are not an FAA certificated or licensed pilot, you may qualify for the insurance by becoming a registered ultralight pilot if you are flying a Part 103 ultralight. Please visit our Airman Registration Program web page for program details and requirements. FAA licensed pilots, flying "N" numbered Light Sport Aircraft or Experimentals (that meet the aircraft criteria described below) and pilots flying foot launchable Powered Paragliders (PPG's) and Powered Hang Gliders (PHG's) are also eligible under this program. Pilots of powered hang gliders must hold at least an H-3 rating with the USHPA and powered paraglider pilots must hold at least a PPG-2 rating from USPPA.

This policy covers single or two-place engine powered vehicles and aircraft, including fixed wing, weightshift, powered parachutes, powered paragliders and powered hanggliders. These vehicles/aircraft must be registered with an FAA recognized registration program. The aircraft's maximum gross weight cannot exceed 1,150 U.S. pounds (522 kilograms). Power-off stall speed cannot exceed 46 mph (40 knots) calibrated airspeed at maximum gross weight.

If your ultralight is not yet registered, please visit our Airman Registration Program web page for information on registering your ultralight with USUA. If you are flying a Light Sport Aircraft, it must be registered with the FAA.

Step 1: Be a current USUA Member in good standing. You must be a registered (trained) ultralight pilot OR FAA certificated pilot with a minimum of five hours logged experience in the same type and class of the insured aircraft. Your aircraft must be properly registered (either as an FAA N-Numbered aircraft, or with one of the ultralight organizations). If you need to register as an ultralight pilot, or if you need to register your ultralight, visit our Airman Registration Program web page and follow the instructions.

Step 2: Download and complete this Insurance Application. (in PDF format. Adobe Reader required to view this document). If you have problems printing the form, please contact USUA for an application.

Step 3: Mail the completed insurance application, a copy of your current USUA Membership card plus a copy of your pilot and airplane registrations, along with the premium payment (or credit card information) to First Flight Insurance Group, Inc. If you have any questions about the application or the USUA program, please contact USUA.

Current USUA membership is required for the entire term of the policy. If your membership lapses, so will your insurance!

Class 1: Powered Paragliders and Powered Hang Gliders. Premium: $297.67

Class 2: 992 Lbs. or less maximum takeoff weight. Premium: $386.25

Class 3: 993-1,150 lbs. maximum takeoff weight. Premium: $439.81

Class 4: LSA aircraft used primarily for aerotowing: $499.55 (subject to approval)

12 Month Annual Premium per airplane with up to 2 pilots. Additional Pilots can be added to the policy for an additional $77.25 per pilot. Additional Tug Pilots will be $51.50 each. Multiple aircraft discounts are not available.

Current FAA Certified Flight Instructors (CFI's). Instructors must be owners or employees to be covered under the policy. All airplanes used for training must be registered and have valid written proof that an operational Emergency Parachute Recovery System which is not past its reinspection date, is installed on the plane. All operations are subject to FAA exemptions and requirements.

Each application is underwritten individually based on business and training experience, safety record, size and type of operation and optional coverage required.

Step 1: Be an FAA Certified Flight Instructor. Make sure all training aircraft are registered with the FAA and have an operational Emergency Parachute Recovery System which is not past its reinspection date installed on the plane.

Step 2: Visit the First Flight Insurance Group, Inc.'s website, and select a broker in your state. Ask the broker to send an application to you. If no broker is listed for your state, please contact Dawne Fay at (252) 261-1903 Extension 243 for assistance.