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Insurance woes

Postby Rick Masters » Thu Mar 29, 2012 2:17 pm

In March 2009, the Swiss national insurer SUVA classified speed-flying as "an absolute risk" and reduced pay-outs by 50%. This is a global trend. Now that the USPA has embraced speed-flying, I don't expect things to go well for the hang glider pilots who are also footing the bill. Hang gliding needs a national hang gliding organization. For a start, make USPA hang gliding membership and ratings directly transferable with no rating expiration.
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Re: Insurance woes

Postby miguel » Thu Mar 29, 2012 5:21 pm

What is speed-flying?
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Re: Insurance woes

Postby SamKellner » Thu Mar 29, 2012 7:46 pm

Ground skimmer (small) paragliders.

No surprise that a seemingly new issue is threatening the insurance negotiations,
"running into power lines". :problem:
Last edited by SamKellner on Thu Mar 29, 2012 8:03 pm, edited 1 time in total.
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Re: Insurance woes

Postby SamKellner » Thu Mar 29, 2012 7:58 pm

RickMasters wrote: Hang gliding needs a national hang gliding organization. For a start, make USPA hang gliding membership and ratings directly transferable with no rating expiration.
:thumbup: :clap:

That sounds like a good place to start. :thumbup: :thumbup:

US Hawks Hang Gliding Assn. :thumbup: 8-)
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Re: Insurance woes

Postby Bill Cummings » Fri Mar 30, 2012 8:38 pm

The paraglider pilots wanted to join with the USHGA so that they could join our insurance pool. (Is this not so? -- Am I remembering wrong?)

I don’t wish to anger my paragliding friends but I think Rick Masters is right.

I think we should let the paraglider pilots have the insurance that we have both been enjoying and as of late trying to renew and withdraw from the same insurance pool.

Start and insurance pool that covers hang gliding only. We could do this under the same organization or if the majority votes this idea down we could rally elsewhere. Like the US HAWKS!

Everyone has their own idea of how this would or should work.

Some may want to include power harnesses. We could hammer this out with members and insurance companies.

Some may wish to exclude different types of towing and stay only with foot launch. This also could be hammered out with the members and insurance companies.

How about different tiers of coverage. The activity with the lowest risk get a better rate on their insurance premium. Why Not? If the first idea is to separate from the insurance pool with paragliders due to the Swiss (SUVA) Handwriting On The Wall or would that be leaving each tier of coverage with too few pilots for an insurance company to even want to deal with?

Some of the past voting changed our articles of incorporation with only a popular vote. At the time I was thinking that something like this should take a 2/3 membership vote. Like the big boys do it in Washington. Maybe it was 3/5th I’m not sure.

Anyway what are your thoughts pilots?
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Re: Insurance woes

Postby terryJm » Sat Mar 31, 2012 9:31 am

I'm with you all 100%, and now with USPA's call for safety officers, and retention of additional office personnel, we may expect an increase in dews. Is this just the beginning of the end of USPA? If we expect to save hang gliding, we MUST point out that we ARE NOT PARA-GLIDERS!!! Our risk is not the same, We do not share the same culture, and our flying objectives are opposed. Bill's ideas are too reasonable and clear to be usable by our deceptive and fraudulent BOD, complete separation may be the only way.
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90 Days and You're Out!

Postby Free » Sun Apr 01, 2012 10:08 am

How paragliding saved U$HPA Corporation from banckruptcy and what it's going to cost the donor host..



UPDATE
March 30, 2012

Additional Information for Chapters - Regarding the update from the Spring 2012 Board of Directors Meeting

USHPA just completed its Spring 2012 Board of Directors meeting in Colorado Springs, where the board focused much of its attention on the challenge USHPA faces in continuing to provide membership, site and instructor insurance. The purpose of this message is to let USHPA chapters know how USHPA intends to respond to the current situation and to ask chapters for their support in developing site-specific risk management plans. Chapter involvement is critical if we are to succeed in preserving an insurance program. USHPA recognizes that member and site insurance is an essential element in preserving and developing flying sites in the US.

Risk Assessments and Mitigation at Flying Sites and USHPA Chapter Events below

By way of background, USHPA is experiencing a spike in the number of accidents and the magnitude of insurance claims. The claims causing the greatest concern have been spectator-related although there are claims involving tandems, towing and property damage. Simply put, the current level of claims activity isn't sustainable. The insurance underwriters have told USHPA to either develop a comprehensive risk management plan that will reduce claims or face cancellation of the insurance program altogether. In late January, USHPA was successful in negotiating a 90-day extension of the insurance policy in order to develop and implement this plan.

The Board of Directors approved a program to develop and implement a comprehensive risk management plan. USHPA has retained a consultant to help develop and execute this plan. Since USHPA chapters-and not USHPA-manage flying sites, USHPA's success is largely dependent on working with chapters to develop and execute site-specific risk management plans. USHPA is preparing templates and other training materials to assist chapters in completing this process. Copies of the risk management proposals approved by the board are included below this introductory letter. The balance of the material will be made available as it becomes available.

Looking forward, Chapters are now required to appoint chapter Safety Officers to work with USHPA in preparing these plans and working with landowners, as appropriate, to implement the mitigation recommendations that come out of the risk assessment plan. These Safety Officers will be asked to be the liaison between the local chapter and USHPA, perform the Risk Assessment, produce a Risk Mitigation Plan, then verify with USHPA in writing that the plan was implemented by the chapter. Training materials, legal consultation, templates, and examples will be provided by USHPA to assist the Safety Officer in the process. Please provide the name and contact information for your chapter's Safety Officer no later than Friday, April 6th. Send the name and contact info to <email>. Please note, chapters shouldn't need to amend chapter bylaws or take other formal action to appoint someone. USHPA is simply looking for the 'go-to' person at each chapter charged with safety and risk management (this could be a current officer or chapter member). With the above concerns in mind, as of the Spring meeting, chapter officers are now required to be USHPA members including the Safety Officer.

The document below outlines the steps chapters will be required to take for all flying sites under its control or management. Please note that from an insurance perspective, it doesn't matter whether or not the site is covered by site insurance. The risks and exposures to the insurance program are the same. As such, the underwriters expect USHPA to identify substantially all of the active flying sites and develop and implement risk management plans for these sites. At the same time, there are occasional or primitive flying sites not managed by anyone. The focus of this exercise is limited to sites where chapters have some level of responsibility and where spectators may be present; not every mountaintop where flying may occur.

Please understand, USHPA recognizes your chapter's ultimate autonomy and would like to support you in these efforts through resources we will be unveiling through this process. USHPA will expect Safety Officers to certify their compliance with the risk assessment and risk mitigation process in order to demonstrate a commitment to risk reduction to the insurance company. Specifically, USHPA expects chapters to evaluate the sites they manage and take reasonable steps to mitigate identified risks, taking into account there will be a number of ways to respond to and mitigate risks; how this is done is left to the chapters. Hopefully, risk management is already being done-developing a site risk assessment plan formalizes the process, making sure remaining risks are eliminated wherever possible.

Thanks in advance for your support and cooperation.

Rich Hass
USHPA President
<email>
-------------------------

Risk Assessments and Mitigation at Flying Sites and USHPA Chapter Events

In order to reduce the possibility of incidents involving bodily injury to pilots, spectators and the general public due to hang gliding and/or paragliding activities engaged in by members of USHPA, the USHPA Board of Directors adopted and is implementing the following Risk Assessment and Mitigation Plan.

Purpose

The purpose of the Risk Assessment and Mitigation Plan is to encourage USHPA Chapters and USHPA Members that manage flying sites to identify risks of bodily injury and property damage to pilots, spectators and the general public due to hang gliding and/or paragliding activities at those flying sites, evaluate those risks, and implement, at each flying site, measures designed to minimize those risks where practical.

Plan Details
USHPA Flying Site Recommended Operating Guidelines
The USHPA adopts The USHPA Flying Site Recommended Operating Guidelines (attached as Appendix "A") for all of its Members and Chapters to use as a starting point for establishing sensible rules governing flight operations at each local site.

Program of Local Site Risk Assessments And Risk Mitigation Plans

As a condition of Chapter affiliation with the USHPA, Chapters are required to perform an initial risk assessment of the Chapter's operations, to update that risk assessment on an annual basis, and to establish a written plan to mitigate the risks identified in that risk assessment. On an annual basis, in connection with the renewal of their Chapter affiliation, Chapters will provide a certification signed by the Chapter's designated safety officer, affirming that the Chapter has performed the required risk assessment and has adopted and implemented a written risk management plan.

Risk Assessments by Chapters

The Risk Assessment should review the following Chapter operations for significant risks of significant injuries to pilots, spectators, and members of the general public:
•The Chapter's physical facilities, such as club houses, storage sheds, wind sock towers, launch ramps, towing equipment, etc…;
•Launch Sites owned, leased, permitted, managed and/or controlled by the Chapter, or over which the Chapter has any control;
•Landing Zones regularly utilized by Chapter's member pilots after launching from the Launch Site(s);
•Glider Setup and Teardown Areas regularly utilized in connection with the Launch Sites and Landing Zones;
•Parking Areas adjacent to such Launch Sites and Landing Zones;
•Roads leading to and from Launch and Landing sites;
•Events in which the Chapter or its members participate, such as chapter meetings, fly-ins, flying competitions, air shows, displays and demonstrations, lessons, clinics, training sessions, etc . . .
•USHPA will provide Chapters with a Model Risk Assessment Protocol to assist them in performing their risk assessment.
•USHPA will provide Chapters with training on performing a Risk Assessment under the Model Risk Assessment Protocol and will provide Chapters with consultation in assisting them in making their risk assessments.

Risk Mitigation Plans by Chapters

The Chapter will prepare a written Risk Mitigation Plan, addressing the significant risks identified in the Chapter's Risk Assessment of that Chapter's Operations. At a minimum, the Risk Mitigation Plan should take into account the USHPA Flying Site Recommended Operating Guidelines, and apply those guidelines, as appropriate, to the Chapter's operations.

It is understood that Hang Gliding and Paragliding both involve risks that cannot be decreased or eliminated.

It is also understood that Hang Gliding and Paragliding pilots are free to make choices in their own flying as to the amount of risk those pilots are willing to assume. Nothing in this Risk Assessment and Mitigation Plan is meant to take away from any pilot his or her right to choose to take whatever risks of his/her own bodily injury that such pilot deems acceptable. Each member pilot has signed the USHPA Release, Waiver and Assumption of Risk Agreement, allowing the member pilot to take such risks and relieve all others from any liability for any resulting bodily injury or property damage to the pilot.

The Risk Mitigation Plan will address mitigation of significant risks of significant injuries to pilots, spectators and the general public that are identified in the Chapter's Risk Assessment. Where mitigation is both possible and practical, the Risk Mitigation Plan will provide for mitigation of the risk.

The Chapter will appropriately communicate its Risk Mitigation Plan to its members and to those who utilize the facilities and operations managed by the Chapter.

USHPA will provide Chapters with training on the preparation of Risk Mitigation Plans.

USHPA Training Resources:

USHPA will provide the following training resources to local Chapters and Event Coordinators:
•USHPA Flying Site Recommended Operating Guidelines
•Model Risk Assessment Protocol
•Example Risk Assessment(s)
•Example Risk Mitigation Plan(s)
•Series of Video Training Presentations available to Chapter's Designated Safety Officers, presented by USHPA Counsel as Attorney-Client Communications, via secured video delivery.

APPENDIX A

USHPA Flying Site Recommended Operating Guidelines

USHPA has determined that USHPA Members and USHPA Chapters are generally careful in their selection of flying sites, site layout, and operational practices.

The suggested guidelines detailed below have been developed to promote improved site management and provide added margins of safety for the ever-increasing numbers of gliders, structures, vehicles, and spectators. Most flying sites and pilots should be able, with reasonable effort, to comply with the suggested layout for general setup, launch and landing zones and conditions for launching, flying, and landing.

These suggested guidelines are not mandatory requirements, and compliance with these suggestions does not, of course, guarantee that no accident will occur. USHPA recommends that USHPA Chapters and Members choose and, where appropriate, design, their flying sites based not only on the geographic area available for those sites but also on obstructions, proximity of neighbors, parking areas, overhead lines, access etc., while incorporating the recommendations presented below. When choosing, and where appropriate, designing or redesigning, any flying site you are encouraged to contact USHPA with any questions, comments, or concerns regarding these guidelines, layout, and safety.

The official USHPA PILOT PROFICIENCY SYSTEM - Standard Operating Procedures - 12-2 remains the governing guideline for pilot proficiency and all USHPA Members and USHPA Chapters should conduct their flight operations in accordance with those standards.

USHPA recommends that each USHPA Member, whenever he flies, and each USHPA Chapter, in connection with the management of sites under their control, follow these guidelines in conducting flight operations. USHPA encourages each USHPA Member, whenever he flies, and each USHPA Chapter, to use, further enhance, and adapt these general recommendations, and add site specific operational guidelines to further increase spectator and pilot safety at the sites they fly and manage.
1.All participants in setup, launch, flight and landing activities should be current members of USHPA, having signed the current USHPA Release, Waiver and Assumption of Risk Agreement.
2.All participants must comply with all FAA Rules and Guidelines applicable to the setup, launch, flight and landing activities at the site.
3.All pilots must wear appropriate Safety Helmets during launch, flight, and landing.
4.All pilots should perform a harness connection check before launching.
5.Before flight operations are first conducted at a new flying site, the local FAA Branch and local general aviation operators should be notified of the operational area.
6.In the event that other exempt air space uses are present in the vicinity of the flying site (ex: Radio Controlled Aircraft, Model Rockets, Kite Flying, etc…) coordination with those other uses should be made to minimize the risk of interference or possible mid-air collisions.
7.All flight activities should be in compliance with USHPA PILOT PROFICIENCY SYSTEM - Standard Operating Procedures - 12-2.
8.Launch Areas - Launch Areas should be clear of personnel (other than current USHPA members directly involved in flight operations), structures, and vehicles 50 feet forward and 30 degrees either side of center of anticipated take off course and 30 feet rearward of starting point target. (Distance is 75 feet forward for tandem flights)
9.Designated Landing Zones and Targeted Landing Areas - Spots designated or targeted for landings should be located at a minimum of 100 feet from overhead power lines and 50 feet from ground personnel, vehicles, structures, in-use roads and spectators.
10.Clearance from Overhead Power Lines, Trees and Towers - Planned flight path should remain clear of overheard power lines, trees and towers by 75 feet. Launch points should be clear of overhead lines, trees and towers by 50 feet. Landing target spots should be clear of overhead lines, trees and towers by 100 feet.
11.No planned flight should take place within 50 feet of spectators on the ground
12.When spectators are present or at organized events in areas where weather conditions exist that increase the chance of a glider inadvertently lifting-off, tie downs or other methods of securing the aircraft should be employed for unattended gliders, in the set-up and disassembly areas.
13.Demonstration equipment at organized events should be manned and secured by authorized personnel until disassembled. Signs should be placed in front of all such equipment at events, cautioning the public not to attempt to utilize the equipment without supervision.
14.At organized events the designated Safety Director will be responsible for designating a spectator and vehicle parking area clear of gliders in a manner reasonably calculated to separate spectators and vehicles from glider operations.
15.At organized events, signs should be posted and/or personnel should be assigned at launch and landing areas to warn spectators and competitors to stay clear of launch and designated landing areas.
16.At organized events, only USHPA pilots and approved competition staff who have signed a USHPA waiver should be allowed in the designated launch area.
17.At organized events, only photographers approved by the event coordinator who have signed the USHPA waiver should be allowed in launch area or below launch area.

US Hang Gliding & Paragliding Association, Inc.

(800) 616-6888

Mail: PO Box 1330, Colorado Springs CO 80901
http://www.ushpa.aero

The US Hang Gliding & Paragliding Association is a 501 c 3 non-profit dedicated to promoting the aviation sports of hang gliding and paragliding throughout the United States. Learn more on our website at http://www.ushpa.aero or http://www.ushpa.org
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Re: Insurance woes

Postby Rick Masters » Tue Apr 03, 2012 12:32 am

>>What's speed-flying?
SEE THE VIDEO.

Mar 9 2012 _____, 26M from Drôme l'Alpe d'Huez, Isère FRANCE
Speedrider. "Lost control of his trajectory at liftoff and hit a rocky ledge." The pilot died during the rescue attempt.
http://www.lefigaro.fr/flash-actu/2012/ ... riding.php

Mar 3 2012 _____, 25M Hochjoch, Schruns AUSTRIA
Speedrider. Hit an avalanche control fence. He "hit with full force against the massive structure." Despite 30 minutes of resusitation attempts by paramedics who arrived in 2 helicopters, the pilot died of serious head injuries.
http://vorarlberg.orf.at/news/stories/2523488/

Feb 21 2012 _____, 57 of Bâle-Campagne Engadine, St. Moritz SWITZERLAND
Speedflyer. "He lost control of his vehicle and had a fall of 20m." "The fall ended on a ski slope and the impact was so violent as to cause very serious injuries that killed the 57-year-old instantly."
http://www.20min.ch/ro/news/faits_diver ... z-24028083

Feb 17 2012 Sean Kerridge, 40 Pub Corner, Treble Cone, Wanaka NEW ZEALAND
Speedflying. Found dead. "Skydivers and base jumpers are numb about this because Sean was an experienced pilot who was also a meticulous and cautious person."
Video: http://www.3news.co.nz/Speedflyer-will- ... fault.aspx
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Re: Insurance woes

Postby Bob Kuczewski » Tue Apr 03, 2012 1:13 pm

RickMasters wrote:Hang gliding needs a national hang gliding organization.

You're absolutely right, and with your help, I'm hoping the US Hawks will become that national hang gliding organization!!

It will be an association of HG pilots, by HG pilots, and for HG pilots. If you can think of anything to do to promote the US Hawks, please do so or let me know. Thanks!! :thumbup:

RickMasters wrote:For a start, make USPA hang gliding membership and ratings directly transferable with no rating expiration.

That's exactly the current status of the US Hawks ratings. If you have an existing USHPA rating, just let me know your USHPA number (a PM will be fine) and I'll look it up and do the transfer.
Join a National Hang Gliding Organization: US Hawks at ushawks.org
View my rating at: US Hang Gliding Rating System
Every human at every point in history has an opportunity to choose courage over cowardice. Look around and you will find that opportunity in your own time.
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Re: Insurance woes

Postby Bill Cummings » Tue Apr 03, 2012 7:07 pm

I am quite sure the following PG accident report will not affect our insurance:
A "Copy/Paste." from a paragliding friend of mine.
From: WingOver

Sent: Saturday, March 31, 2012 10:44 PM

To: nwparagliding@yahoogroups.com

Subject: [nwparagliding] Accident report:: Tiger mid-air with aircraft





The press is going to pick this up any minute now, so I figured I had better document my accident report before Wilson gets all over me like ugly on an ape for not doing so earlier. It happened earlier this week when conditions were really good. I launched from Tiger, and I knew that I was clearly VFR, and well under the ceiling. Then some small, single engine plane that was also flying VFR and under the ceiling ran into me, and my wing somehow went over the nose, completely obscuring all the windows on the plane. Never mind that the prop should have caught the lines and either torn them or wound me up. I have no clue how or why I am even still alive to report this, but I'm sure people will comment on how many laws of physics I broke in response to this post. Anyway, I was hanging well below this plane, and although I could not see him, the pilot was probably freaking out.

Yes, I was actually hit by one of those planes we always talk about running into, jeopardizing our right to fly from Tiger. All the more reason to write it up, but at the time, I was more worried about the other pilot. Probably, that's because he puts his plane into a steep climb, since he knew he was below the mountain peaks when he lost visibility. He rapidly broke through the class Bravo, and though I knew darn well that I was not supposed to be there, I don't think the other pilot cared.

So we had some altitude, which meant we had time, and I was actually quite calm and collected at that moment. I reached down for my radio, switched to 121.5, and asked to speak to somebody in Seatac Air Traffic Control. They asked if they could put me on hold, and I told them that I'm ALREADY on hold, on the underside of another aircraft, climbing through 8K now somewhere over Renton. They asked for my call-sign, I told them that I didn't have one, and they were about to hang up. Wait a minute! This is a RADIO, not a telephone! You can't hang up on me!

"Ma'am, this is Seatac ATC, and we serve the commercial and recreational pilot community. I'm going to have to ask you to clear this channel."

I tried explaining my predicament to the person on the other end, but to no avail. They simply didn't want to talk to me. So then I asked for the frequency of the pilot with a paraglider over its windshield flying at my approximate location.

"Ma'am, what makes you think we know what frequency the other pilot is on?"

"Well, I'm pretty sure that if you stood up inside that control room of yours and asked 'is anybody talking to a panicked VFR pilot who just lost all visibility?' that somebody would speak up. I need that idiot's frequency."

So I managed to get the right frequency, switched my radio over, and found myself in the middle of a conversation with a very agitated, purely VFR pilot, and somebody else from ATC. ATC was trying to calm this guy down, telling him that they have cleared traffic from the area, and that they would guide him down into Renton air field, but he had to level out, and then descend well below the 12K he had reached by that point, which explained why it was so dang cold.

The ATC guy was a real professional... calm, soothing, and got the VFR pilot's head back on straight as he started descending. Part of me was thinking that I didn't want to do anything to upset this fellow, but I also still thought that neither ATC, nor the VFR pilot had a clue what was really going on. Finally, I interrupted with something innocuous like "Dude! Are you the guy with a paraglider draped over your cockpit?"

"A what?"

"A paraglider. It's red, probably translucent, and depending on what part of the wing you've got up front, you might even see the word 'Gin' on your window somewhere."

"Yes! Yes! So THAT's what happened! I hit a paraglider! Now it makes complete sense! How did you know?"

"Hang on for a second," I tell him, and I somehow managed to knock on the bottom of his fuselage with my fist. "Did you hear that knocking?"

"Yes! What was that??"

"Good. That was me. It means I'm talking to the right idiot. I'm the paraglider pilot on the other end of that wing, hanging out down here by your wheels... on the freaking OUTSIDE of your plane!"

At that point, the two of us actually started carrying on a casual conversation about the merits of each of our respective aircraft, when I got a brilliant idea. I looked down at my GPS, then directed the pilot on a course bearing 150 degrees for about 3 miles; then 0 degrees for a mile or two; then 310 degrees for a few miles.

Technically, I was still on a paraglider flight - I launched from Tiger, and I was still attached to my wing. I had this guy running Tiger-Tag points with me. Let me tell you, Wheeler's gonna scream!

After raking up a few bazillion points, it dawned on me that I still had to find a way to get both of us back on the ground. I don't actually remember the landing much, except that after we were on the ground, there was a fire truck, an ambulance, a few policemen, and more paperwork than I can describe. Plus, I knew that when the NWPC hears about this, I would never hear the end of it.

By the time I got back home, it was close to midnight, but I upload my GPS track to Leonardo and submitted it for tiger-tag scoring. Wheeler called me first thing in the morning to say that he disqualified my flight because I broke airspace, and to point out where I could have scored a few more points. Despite my best efforts to convince him that there was actually a working transponder and two-way communication with ATC, he simply refused to hear it.

I'm sure that if it were not April 1st, he would have scored it.

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