Our consumer is the owner of a flight school that is located at a local airport. He rents a small office in the terminal that requires office liability insurance. The previous tenant gave him the name and number of a company that covered him for $700 per year. When he called the same insurance agency they said they would not insure him because they are a flight school. He reiterated that they were only interested in liability policy to cover the office. That agency, as well as every other one, said they would not cover us because we were a flight school. Again, this was only for liability in the office. Nothing was done in the office but administrative activity. Finally, he had to go to the aviation company that charged 3 times the amount. He says it's a simple office so there should not be an ability of insurance agencies to say they won't cover us just because of our business. Moreover, they should not be able to charge a higher premium. The insurance would not have covered anything outside of the office. Agency's should be required to offer any business a liability policy that covers in the office liability without any determination as to the nature of the business when all that is done there are administrative activities, i.e. paper work.

In review of the BUSINESSOWNERS LIABILITY COVERAGE FORM , it appears that liability would extend beyond the physical office, and this would increase the risk and thus require a higher premium.

Georgia Subscriber