AMA Club Chartering Guide Page 5 of 16
Any reckless, intentionally unsafe modeling operation may seriously limit the extent to which
AMA benefits may work to protect members, clubs, and property owners.
Club Insurance Benefits
Club Insurance Coverage: Chartering a club provides liability insurance benefits to the club
and the club officers. This is not only limited to an accident caused by flying models. A club can
also be sued for non-flying accidents that may occur at its flying field, meeting site, or a club
event. Such accidents may be caused by a club member, spectator, or someone else while
acting on behalf of the club, and may arise from conditions of the premises or other non-flying
activities. For this reason, liability coverage for AMA chartered clubs extends to claims arising
from model flying, as well as non-model flying accidents.
Club officers are provided primary liability insurance coverage for the duties they perform
associated with the club activities. The insurance industry calls this the “vicarious liability” for the
acts of others or accidents caused by others.
Important: AMA does not provide insurance coverage for
a) club-owned equipment (e.g., storage sheds, lawn mowers, etc.) or
b) Directors & Officers (D&O) coverage (claims resulting from decisions
regarding club policy, discrimination, environmental issues, etc.) Clubs
should check with local insurance providers if they are interested in
obtaining these items.
Flying Site Owner Insurance Coverage: Most property owners want to be assured that they
are protected if they allow a chartered club to use their property as a flying site, so they will ask
for an insurance certificate that will name the property owner as an “additional insured.” This
coverage safeguards the owner if he or she is named in a claim because of an accident caused
by an AMA member and/or club. Clubs can obtain this coverage for the charter year or for
specific event dates. There is a processing fee of $80/certificate for the charter year coverage or
$25/certificate for specific event coverage. Please complete this form
and submit along with the
appropriate payment.
The coverage provides up to $2,500,000 of primary liability insurance coverage to the flying site
owner. You may want to provide this summary page
with the program highlights to any current
or potential new site owner.
Flying Sites
Most charter clubs and model fliers are careful in their selection of flying sites, layouts, and
other operational practices. AMA has developed some suggestions giving clubs a starting point,
if needed. These suggestions are not mandatory requirements, and of course, do not guarantee
that no accident will occur. Clubs are welcome to use these recommendations, and can use
their discretion to modify any of the items based on their specific situation, e.g., types of aircraft
used, geographical location, obstructions, proximity of neighbors, etc. Click here
to see AMA’s
suggested RC flying site specifications.
AMA’s Flying Site Assistance Coordinator (FSAC) works with chartered clubs to help them
understand how to safeguard their flying sites and secure them, as well as help members and
clubs understand the need to look for another site—even while they are enjoying their current
site. AMA will continue to help clubs that have lost a site to locate and secure a new one. Email
the FSAC
or call at (765) 287-1256, extension 230.