10. My CFI has asked to be 'an additional insured,' and for a 'waiver of subrogation.' Should I do this? Because your policy excludes coverage for CFI's or other professional pilots, many CFI's will ask owners they are instructing to be included as insureds. If you and your insurer agree to this, your coverage will protect the CFI against lawsuits that arise from injury to others and damage to others' property during the flight. It also means that you are sharing your coverage with your CFI, and there may be less available to protect you. Also bear in mind that your insurance company will need to agree to this in advance, and that there may be an additional charge. A waiver of subrogation means that you and the insurer agree not to bring a suit against the CFI for physical damage to the aircraft during instructional flights. If you provide a waiver of subrogation to a CFI or anyone else flying your airplane, you may have a loss that goes on your record when it was really the fault of someone else. Give thought to both of these, and get your insurer's permission before you agree to either one. Some instructors will require both before they set foot in your airplane. You may decide that the knowledge you gain from the flight outweighs the temporary risk.       © 1999-2006 Sutton James, Inc. All rights reserved.