Non-owned Hot Air Balloon Liability Insurance

NON OWNED BALLOON LIABILITY is a special policy developed by The Schantz Agency to provide special aviation/balloon coverage to festival organizers, balloonmeisters, and volunteers for Hot Air Balloon Festivals. The normal event policy usually excludes aviation activities so our policy is meant to step in to fill that gap and provide comprehensive aviation coverage for the insured.

The policy covers the negligence of the Named Insured (the Festival), employees, directors, volunteers, staff and, importantly, the balloonmeister. It also responds if the balloonist is negligent and the injured parties involve the Named Insured in a claim. This policy is the event's policy and covers their negligence while providing limits exclusively to the Named Insured rather than being a part of the balloonist's policy.

The policy covers all air operations including take-offs and landings. Often, this coverage is attempted to be provided by adding the event as an Additonal Insured of the balloonists's policy. However, this does not change the fact that the balloonist's policy only responds to his/her own negligence. The festival's negligence is not covered using this method. Our NON OWNED BALLOON LIABILITY policy covers both types of negligence plus assures that all "listed" balloons are covered and you are not dependent on the balloonist to supply the Additional Insured endorsement. You have your own policy with your own limits to protect your own claims.

See our forms page for an easy to complete application or contact John Griffin for more information.