War, Hi-jacking, and Allied Perils (AVN 52)
Standard aviation policies often exclude "hostile" acts. To address this, Airport Liability Insurance utilizes the AVN 52 (War, Hi-jacking, and Other Perils) extension. This is a specialized technical write-back that provides limited coverage for acts of terrorism, sabotage, and unlawful seizure of aircraft.
The document explores the "Write-back" mechanism, where specific perils are added back into the policy for an additional premium. It explains the "Aggregate Limit" of AVN 52, which is often much lower than the general liability limit. The document also analyzes the "Geopolitical Risk Assessment" used by underwriters to price this coverage, factoring in the airport's proximity to conflict zones and the robustness of its "Security Screening Infrastructure." In 2026, this section also includes "Cyber-Terrorism" clauses, covering physical damage caused by the remote hijacking of airport terminal operating systems (TOS).