Looking for Aviation Services Insurance?
Protect your aviation business from aircraft damage, passenger injuries, liability claims, and ground operations exposure. Harper provides insurance for flight schools, charter services, maintenance operations, and FBOs, with fast issuance of FAA certificates for lenders and airport authorities.
What is Aviation Services Insurance?
Aviation services insurance protects businesses involved in flight operations and ground support from risks such as aircraft damage, passenger injuries, maintenance-related claims, and facility incidents. Coverage commonly includes aircraft hull and liability, hangarkeepers' liability, and premises coverage. The FAA, lenders, and airport authorities typically require proof of insurance before allowing operations, financing aircraft, or leasing facilities.
Aircraft Coverage
Protects aircraft against hull damage and liability arising from flight operations and passenger injury.
Hangarkeepers Liability
Coverage for aircraft in your care, custody, or control during maintenance, repair, or storage.
Airport Operations Coverage
Protects against ground accidents, fueling incidents, and facility-related liability claims.
Certificates
Fast proof of insurance for the FAA, lenders, and airport or facility authorities.
Who Needs Aviation Services Insurance?
- Flight schools : Businesses requiring specialized insurance coverage
- Charter and air taxi services : Businesses requiring specialized insurance coverage
- Aircraft maintenance and repair operations : Businesses requiring specialized insurance coverage
- Fixed-base operators (FBOs) : Businesses requiring specialized insurance coverage
Why Harper?
Aviation Services Expertise
Aviation operations involve complex risk, strict regulatory oversight, and carrier limitations. Harper understands the exposures associated with aircraft operations, maintenance liability, and airport facilities, and places coverage tailored to aviation services.
Fast Proof for Authorities and Lenders
Airport authorities, lenders, and regulators require accurate insurance documentation. Harper delivers certificates quickly and assists with additional insured requirements to keep approvals and agreements on track.
Clear, Practical Guidance
We explain aircraft hull, aviation liability, hangarkeepers, and premises coverage in clear terms so you understand how these coverages apply to your operations.
Coverage Matched to Your Operations
Whether you provide flight instruction, charter services, aircraft maintenance, fueling, or hangar operations, Harper helps align coverage with your specific aviation activities.
Frequently Asked Questions
What insurance do aviation businesses need?
Most aviation businesses need aircraft hull and liability coverage, hangarkeepers' liability coverage for aircraft in their care, and premises liability coverage. Workers' compensation is required if you have employees, and product liability may apply for parts suppliers.
Is aviation insurance required?
Yes. The FAA requires liability coverage, lenders require hull coverage, and airport authorities typically require proof of insurance before allowing operations.
How much does aviation insurance cost?
Costs vary by aircraft type, services, and operations. Flight schools may pay $10,000–$30,000 or more annually, while charter and maintenance operations often pay significantly more.
Does insurance cover student pilot accidents?
Aircraft liability coverage may apply to accidents during flight training when student pilots operate aircraft under your supervision, subject to policy terms.
Does insurance cover aircraft during maintenance?
Yes. Hangarkeepers' liability can apply if an aircraft is damaged while in your care during maintenance or storage.
Can I add airports as additional insureds?
Yes. Airport authorities often require that we be added as additional insureds, and Harper assists with certificate and endorsement requirements.