What does Passenger Liability Insurance provide coverage for?

Passenger Liability Insurance is specifically designed to offer protection against claims arising from bodily injuries or deaths suffered by passengers while they are aboard an aircraft. This type of insurance is essential for aircraft operators because it addresses the potential legal liabilities stemming from accidents or incidents that may occur during flights.

When a passenger is injured or killed due to an aviation-related event, the aircraft operator can be held liable for those injuries or fatalities. Passenger Liability Insurance helps cover the costs of legal defense, settlements, and judgments that could arise from such claims. This coverage is critical in ensuring that operators comply with legal requirements and can address claims effectively.

The other options, while related to aviation, do not pertain to passenger coverage. For example, liability related to pilot injuries focuses on the operator's responsibility for their crew rather than the passengers. Damage to the aircraft due to accidents pertains to the physical damage to the aircraft itself, and loss of cargo addresses issues concerning freight rather than passenger safety. Therefore, it is clear that Passenger Liability Insurance's primary focus is on the well-being of passengers.