U.S. Aviation Underwriters issued an aircraft insurance policy to Cash Air, Inc., covering its employees. The policy stated that to be covered under the policy, the aircraft must be “flown only by a pilot or pilots described on the Coverage Summary page.” Each policy coverage page stated that a pilot not named in the policy must be one who holds “an AA commercial pilot certificate with AA multi-engine and instrument ratings who has flown a minimum of 2,500 hours as pilot in command, at least 1,000 hours of which shall have been in multi-engine aircraft and at least 25 hours of which shall have been in Piper PA 31-350 aircraft.”

Peter Covich, an employee of Cash Air, Inc., did not meet the pilot experience requirements when the Piper Seneca airplane he was piloting crashed, causing personal injuries and property damage. Must the insurance company pay for the loss? Explain. U.S. Aviation Underwriters v. Cash Air, 568 N.E.2d 1150 (MA).