DEDUCTIBLES: Do liability policies contain deductibles?



Traditionally, the deductibles quoted for aviation insurance policies only apply to the hull or physical damage section of the policy and not to the liability section. In some cases and in certain policies, we occasionally see property damage (PD) deductibles that apply to liability. So, no statement in this case can be absolute.


Beware of terms such as "self insured retention". This could indicate a liability deductible. Liability deductibles are quite normal and expected in professional liability policies. Errors & Omissions policies (E&O), Directors & Officers liability policies (D&O), and some products liability policies normally include liability deductibles.


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