Aviation Insurance

Flying an aircraft carries a level of financial exposure that ground-based transportation rarely matches. Damage to the aircraft, injuries to passengers and third-party liability claims can each lead to costly losses and expenses. Aviation insurance can financially protect owners and operators against that exposure with coverage tailored to how aircraft are owned, operated and maintained.

Hull vs. Liability: What the Terms Mean in Practice

Aviation policies are typically built around two core components. Hull coverage may pay for physical damage to your aircraft, whether from a hard landing, a hangar fire or a collision on the taxiway. Liability coverage may respond when your aircraft causes injury to others or damage to property you do not own. Both are essential, and neither substitutes for the other.

What Aviation Insurance Covers

Policies can be structured to include:

• Hull coverage for the aircraft in motion and at rest
• Passenger liability for bodily injury to those aboard
• Third-party liability for damage to other aircraft, structures or people on the ground
• Medical payments for occupant injuries, regardless of fault
• Hangarkeepers liability if you store or work on aircraft owned by others

What Affects the Cost of Coverage

Aviation insurance premiums vary based on aircraft type, total flight hours, pilot certifications and ratings, the purpose of the flights (e.g., personal, instruction, commercial) and where the aircraft is based. There is no flat rate, and coverage limits are typically sized to match your specific operation.

Contact Our Agency

McInnis Insurance Services, Inc. can compare policy structures from multiple carriers and help align your coverage with how you actually fly.

Contact us today to review your aviation coverage options and make sure your aircraft and passengers have solid financial protection.