9. If I am named as a pilot on someone else's policy, am I covered by their insurance if there is an accident? Maybe. If the aircraft is owned by a company and you are an employee during the flight, you are probably covered. If you are using the aircraft with the permission of the owner, you are probably covered for liability as well, as long as you are not acting as an aviation professional, such as a flight instructor, ferry pilot, and the like. If you are flying for hire, you or your employer should have some coverage for flying non-owned airplanes. Just because you are named as a pilot, don't assume that you have coverage. The fact that you are approved means that the policyholder will be protected against lawsuits while you are flying his or her aircraft.       © 1999-2006 Sutton James, Inc. All rights reserved.