How does aircraft liability insurance approach coverage for employee passengers in a company-operated flight?

The correct approach to aircraft liability insurance concerning employee passengers on a company-operated flight is that they are typically covered by workers' compensation insurance. This coverage applies because when employees are traveling for work purposes, any incidents occurring during that time may fall under the employer's workers' compensation policy. This is especially relevant in the context of aviation, where employees may need to travel as part of their job responsibilities.

Workers' compensation insurance provides benefits to employees who suffer from work-related injuries or illnesses, and this principle extends to situations where employees are passengers on a company aircraft. By having this coverage in place, employers fulfill their legal obligations to support employees who may experience accidents while conducting business.

While it’s true that some liability policies might require specific provisions or addendums to cover employee passengers beyond standard workers' compensation, the fundamental principle remains that these employees are primarily covered under workers' comp regulations when on a company flight related to their employment duties. This structured approach helps mitigate the risk of liability for employers while ensuring that employees have a safety net for work-related travel.