Most general liability policies (other than specific aviation or marine policies) exclude coverage for liability arising out of the use and maintenance of aircraft and watercraft. Although aircraft and watercraft losses are rare, many underwriters are reluctant to insure this potentially catastrophic exposure.

Coverage is excluded for bodily injury or property damage arising out of the ownership, maintenance, use or entrustment to others of aircraft or watercraft owned, operated by, rented or loaned to any insured. The term use includes operation and loading or unloading.