Four-Factor Risk Model
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SkyGuard
Confidential  |  Internal Use Only
Aviation Risk Assessment Report
🔍 Smart Accident / Incident Search
Searches public sources (SACAA, ASN, NTSB, AAIB, aviation news) for this pilot, scores the Accident / Incident History question and lists the full record details below. Also runs automatically after Read Pilot Documents → Apply to Pilot.
Hannover Re Lookup Keys
Awaiting inputs
SEC drives LegacyShield (mortality). LicenseShield uses Hannover Class A as the base — risk differentiation for higher occupation classes comes from the 4-factor aviation loading. BrokenWing uses Pilots automatically. Quote is Year-1 new business; renewal rates handled by the 5-year projection.
SkyGuard Life — Cover Amounts (USD)
Risk Profile
Exclusions Summary
No exclusions applied.
General Policy Exclusions

Add standard policy exclusion clauses. These do not affect the risk score. Manage via Admin → Exclusions.

Notes to Underwriter

Add any additional notes, observations, or special considerations for the underwriter. These notes will appear in the PDF report.

Result Mapping
Aviation Assessment Outcome

Select the Liberty underwriting reference that applies to this pilot/risk. All Liberty product outcomes will populate automatically and carry through to the PDF report.

No rule selected. Choose a reference above to view Liberty product outcomes.
Liberty Notes to Underwriter
System-generated notes appear automatically (age rules, applied exclusions). You may add your own notes in the free text area below. All notes flow to the PDF report.
Liberty Policy Exclusions
Select any Liberty exclusion codes (U-codes / N-codes) to apply to this assessment.
Risk Summary

Generates a brief underwriting summary of this assessment, drawing on all factor scores, pilot details, and applied rules. Editable before save. Appears at the end of the PDF report (just before signatures).

The Risk Summary is a computer-generated summary of the report.
Ready to save?
Save this assessment to store all scores, exclusions, and documentation.
Overall Risk Score
Incomplete
Complete all fields to calculate
Factor Breakdown
Likert Risk Scale  (1 = Low · 7 = High)
1   Very Low Risk
2   Low Risk
3   Low-Moderate Risk
4   Moderate Risk
5   High Risk
6   Very High Risk
7   Extreme Risk
Company Date Policy No. Pilot / Insured Line Score Risk Level Actions
Aviation Safety Attitude Questionnaire

Based on the Hazardous Attitude Scale (Hunter, 2005). Rate each of the 30 statements honestly on a scale from Strongly Agree to Strongly Disagree. The total is converted to a 1–7 Likert risk score and auto-fills the Aviation Safety Attitude aspect in Human Factors.

Safety Attitude Score
Answer all questions to calculate
Invoice Generator
Supplier Details (you) — saved for all invoices
Banking Details (for payment)
Recipient Details (the company being invoiced) — saved per company
These fields auto-save under the selected company. Switching company loads that company's saved details.
Additional Line Items
Team Access — Web Logins

Assign each web login a role. Owners see everything; Managers and Underwriters are limited to one company and line. First create the login in Supabase (Authentication → Add user), then set their rights here using the same email address.

User Management

Each user is tied to one licensee Company and one Insurance Line. They can only ever see that scope. Use Activate to flip your session into that user's view. Owner-only — this tab is removed from the licensee build.