Affordable insurance starts with an easy quote
Aviation Insurance is a specialized class of property and casualty coverage designed to protect aircraft owners, operators, and aviation businesses from the financial devastation of accidents. Unlike standard auto policies, this coverage addresses unique risks including hull damage (physical damage to the plane), passenger liability, and hangar operations, ensuring you stay compliant with FAA regulations and lender requirements.
Operating an aircraft involves liabilities that far exceed ground-based businesses. A single incident—whether a runway excursion or a hangar fire—can result in multi-million dollar claims for bodily injury and environmental cleanup. The Federal Aviation Administration (FAA) emphasizes that while insurance minimums vary, the actual cost of litigation often surpasses basic requirements. Without adequate “Smooth Limits” (combined single limits), a lawsuit from a passenger injury could force the liquidation of your personal and business assets.
We structure policies to cover every phase of flight and ground operation.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard Liability Only | Comprehensive Aviation Package |
|---|---|---|
| Passenger Injury Lawsuit | ✔ Covered | ✔ Covered |
| Damage to Your Aircraft | ✖ Excluded | ✔ Covered (Hull) |
| Personal Items in Cabin | ✖ Excluded | ✔ Covered |
| War & Confiscation | ✖ Excluded | ✔ Covered (Add-on) |
“How much does airplane insurance cost?” Premiums are highly variable and depend on the pilot’s experience, the hull value, and the aircraft usage.
Aviation risks are too complex for a standard auto agent. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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