Which liability might be covered under a standard aviation policy for an airline?

In a standard aviation policy for an airline, liability coverage typically extends to various incidents that may arise during the operation of the airline, including injuries to third parties. One common area of coverage is for injuries sustained by personnel involved in the handling of luggage and other operational tasks at the airport.

In this context, injury to a baggage handler falls under this liability coverage since baggage handlers are considered third-party workers who perform tasks associated with the airline's operations. This means that, if a baggage handler were to be injured while performing their job duties, the airline's aviation policy could cover the liability arising from that injury, including legal costs and potential compensation claims.

The other scenarios, while potentially relevant to the aviation industry, typically fall outside the direct liability coverage provided by an aviation policy. For instance, illness due to duty-free items might involve different liability considerations related to consumer protection laws. Injuries to an airline’s own employees, such as air stewards, often fall under workers' compensation policies rather than liability coverage in an aviation policy. Similarly, damage to luggage during loading may be covered under separate cargo or property insurance policies specific to the airline's liability for handling passengers' property, rather than as part of general liability coverage.

Thus, injury to a