Aviation Insurance

Aviation insurance is specialized coverage designed to protect aircraft owners, operators, and aviation businesses from the unique risks associated with flight operations. Whether you own a private aircraft, operate a charter service, manage a flight school, or maintain aircraft, aviation insurance helps safeguard your assets, passengers, and liability exposure.

What Aviation Insurance Covers

Because aviation carries distinct risks beyond standard property or auto policies, coverage is tailored specifically to aircraft and aviation-related operations. Policies typically include:

Aircraft Hull Coverage
Protects against physical damage to the aircraft itself — whether in flight, taxiing, or on the ground. Coverage may include damage from accidents, weather events, fire, vandalism, or other covered causes of loss.

Aircraft Liability Coverage
Provides protection if you are legally responsible for bodily injury or property damage to others. This can include:

  • Passenger liability

  • Third-party bodily injury

  • Property damage (including hangars or other aircraft)

Hangarkeepers Liability
For businesses that store, service, or maintain aircraft, this coverage protects against damage to customers’ aircraft while in your care, custody, or control.

Commercial Aviation Coverage
Designed for charter operators, flight schools, aerial applicators, and other aviation businesses, this coverage addresses the additional operational and regulatory exposures they face.

Non-Owned Aircraft Liability
Protects individuals or businesses that rent or borrow aircraft against liability claims arising from their use.

Who Needs Aviation Insurance?

  • Private aircraft owners

  • Corporate flight departments

  • Charter and air taxi operators

  • Flight schools and instructors

  • Aircraft maintenance and repair facilities

  • Fixed Base Operators (FBOs)

  • Aviation-related businesses

Why Aviation Insurance Is Different

Aviation insurance is highly specialized. Premiums and coverage terms are influenced by factors such as:

  • Pilot experience and training

  • Aircraft type and value

  • Intended use (private, business, charter, instruction)

  • Operating territory

  • Claims history

Because of these variables, aviation policies are carefully structured to meet regulatory requirements and individual operational needs.

Protection You Can Rely On

Aviation insurance provides financial protection and peace of mind in an industry where precision, safety, and compliance are critical. With the right coverage in place, aircraft owners and operators can focus on flying with confidenceWe help you protect your business from unexpected changes, making sure that your reputation and company aren’t affected when something happens outside of your control. We help your business stay sustainable, regardless of what happens to your company properties or your operations.

We offer policies such as:

Business Owner Policies (BOP)

These policies have coverage for general liability, business and personal property, employment practices liability (EPLI) as well as cyber liability. Cyber liability is probably the most overlooked coverage on competitor’s policies.

Workers Compensation Insurance

These policies cover the business owner as well as their employees.

Commercial Umbrella

These Policies extend a business owner’s coverage beyond what’s in their business owner policies.

Make sure that your business can continue operating as normal regardless of the circumstance. Set your business up for success with a business insurance policy from us today!

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