Please note, AirModo is Liability only, I took a quick look at the website for PPA and their coverage is through Lockton, which is an insurance broker, not an insurance company, so I can't tell you who the underwriter is backing their policy. Additionally, their website indicates limits of $25,000 and $50,000 with higher available.
AirModo policies start at $1M limits and are offered up to $25M through the app for commercial use. From their notes, it appears you must purchase both Physical damage and liability coverage.
They also mention:
- Get defense coverage included inside the limit of this liability insurance
What this means is that the cost to defend you is part of the $25,000 or $50,000 limit you are buying. Doesn't leave that much to settle a claim once you start adding up legal fees. With AirModo, these costs are outside the limit of liability.
AirModo offers hourly policies in 1 hour, 4 hour or 8 hour blocks, so you can try it before committing to a full annual policy.
Additionally, it appears if you need to make any changes with the PPA program, you would have to call the broker. AirModo is entirely contained within the app, allowing you to add additional aircraft or pilots and generate certificates right there.
If you have specific questions regarding coverages not included in our FAQ, please send us a note through our website.