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An Exclusion G Discussion: Aircraft Exposure and the Aviation CGL

(354 reviews)

Produced on August 20, 2018

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Course Information

Time 1h
Difficulty Advanced
Topics covered in this course: Insurance Aviation

Course Description

The Aviation CGL Policy is an extremely common and important insurance form utilized throughout the aviation insurance market. Procured by all different types of aviation entities, from FBOs to maintenance shops to aircraft charter operators, it is truly an omnipresent policy throughout the aviation market. It is, after all, the aviation industry’s take on the classic CGL Policy. Like the standard ISO CGL form, Aviation CGL Policies generally contain Exclusion G, the Aircraft, Auto or Watercraft exclusion, which is generally intended to exclude coverage for most forms of aircraft-related loss. This fundamental exclusion is so broadly worded that folks in the aviation insurance market often underestimate it in the context of risk management, contract negotiation and policy construction, sometimes to crippling results.

Join in-house aviation insurance counsel Glenn Vallach and aviation underwriter MC Ernst for a lively and informative discussion that will help aviation insurance attorneys and professionals of all kinds master a crucial and pervasive topic in the aerospace market, the exclusion of aircraft losses on the Aviation CGL. They will illustrate these concepts with exemplar policy language, practical fact pattern examples and pertinent case law interpretations from around the U.S., as well as discuss some risk management strategies to consider in this all-important context.

Learning Objectives:
  1. Address the general framework and structure of Aviation CGL Policies throughout the aerospace insurance market
  2. Master the text and application of the standard Aircraft, Auto or Watercraft exclusion (Exclusion G) on the classic Aviation CGL form, as well as similar policy exclusions
  3. Identify practical scenarios to which Exclusion G may apply and the specific ramifications of those potential applications
  4. Discuss legal advocacy and precedent throughout the United States relative to the more nuanced applications of Exclusion G
  5. Recognize some potential risk management tactics to consider in terms of avoiding the pitfalls of Exclusion G

Credit Information

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Glenn Vallach has been a Claims Attorney with United States Aircraft Insurance Group since October 2012. In that capacity, Glenn is the principal coverage analyst for the company, and he manages and supervises a broad range of significant liability claims for the General Aviation, Manufacturing & Special Risks and Airlines claims divisions within USAIG. Glenn also serves on the Policy Language Revision Committee and the Subrogation Committee for the company.

Prior to joining USAIG, Glenn was an aviation litigation and trial attorney for a boutique New York City defense law firm in Manhattan for almost five years. In that capacity, Glenn litigated a large number of complex aviation matters for a variety of prominent aviation entities and insurers. Glenn is also an accomplished and frequently published law professor, having taught commercial law and business courses for private and public universities in New York and New Jersey since 2009.

Glenn graduated Boston College with a Bachelor of Arts in Political Science and History in 2005, and graduated Fordham University School of Law with a Juris Doctor degree in 2008. He is admitted to practice law in the courts of the State of New York and in the Eastern and Southern District Courts of New York, and is a member of the American Bar Association, Aviation Insurance Association and New York State Bar Association.

MC Ernst


MC Ernst, Vice President, Airline Underwriting Manager, New York Office, United States Aircraft Insurance Group, (USAIG), joined the Company in 2012. MC is responsible for underwriting domestic and international major airline risks as well as general aviation fractional ownership and management accounts. Previously, in 2015 MC was Assistant Vice President and Assistant Branch Manager of the New York Office and in 2017, she was named Vice President. 

Prior to joining USAIG, MC worked in Lloyds of London with XL Insurance as an underwriting assistant for their aviation team. Following her time in London, she worked with Crystal & Company as a broker placing various lines of aviation business. 

MC graduated from Vanderbilt University with a Bachelor of Arts degree in Psychology. She holds an Associate in General Insurance (AINS) designation and in 2013, she completed her Chartered Property Casualty Underwriter (CPCU) designation. MC is currently obtaining her M.B.A. in Risk Management and Insurance at St. John's University Peter J. Tobin School of Business. 

MC is a member of the International Aviation Women's Association (IAWA) where she serves as Chair of the Connects Committee. 


Steven S.

I had never heard of this. It was interesting. I don't know how applicable to me personally but I like the opportunity to learn something in a a totally different airspace.

Jason J.

Lots of good info and very informative.

Michael R.

I learned lots as I had no background in this field.

Paul K.

very informative, practical and understandable for a complicated issue.

Michael Y.

Wish I had learned about this program a couple of years ago. Thanks, Lawline!

Nancy B.


Shaun E.

good presenters

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