Is Aircraft Exclusion Applied to Model Airplane

Under the current version of the CGL form, would an insured have coverage for bodily injury caused by a remote control model airplane he was flying at the time of the occurrence? Aircraft is not defined on the policy and the dictionary definition is not very useful (a vehicle for traveling through the air). We cannot tell if the aircraft exclusion on the CGL form would apply to this incident. What is your opinion?

New Jersey Subscriber

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis