Aviation insurance, placed by specialists
From a single-engine Cessna to a corporate flight department or a full FBO, aviation coverage depends on details. We match your aircraft, operation and pilots to markets that write aviation, and get the warranties and limits right.
Same-day quotes on most aircraft
See the program your operation needs
Tell us how you fly. We'll show the coverages to prioritize. Nothing is stored or shared, and a broker confirms the specifics with the underwriter.
Your operation
Select everything that applies.
Coverage that typically applies
4 coverages — a starting point for a conversation, not a quote.
- Hull — Agreed ValueFull agreed amount in a total loss, with no depreciation negotiation.
- Aircraft LiabilityBodily injury and property damage to others, plus legal defense.
- Smooth Liability LimitsMakes the full limit available per passenger rather than a low per-seat sublimit.
- Medical Payments & Guest SettlementFast, no-fault payments that can head off passenger suits.
What your hull coverage pays in a total loss
How your aircraft is valued decides your settlement. On an agreed value policy, you and the underwriter set the hull amount up front, and that is what a total loss pays — no depreciation and no post-loss negotiation.
On an actual cash value policy, a total loss is settled at depreciated market value and negotiated after the fact, often well below what the aircraft is worth. Recent avionics upgrades, paint or an overhaul may not be reflected at all in an outdated valuation.
Review hull values each year with current market data, document upgrades, and update the agreed value mid-term after a significant investment.
What an aviation policy is built from
Aviation coverage is several protections in one — and each has a gap owners commonly miss.
Hull coverage
Protects the aircraft itself, written all-risk or named-peril and split between in-motion and not-in-motion losses. Most owners should insure on an agreed-value basis rather than actual cash value.
Aircraft liability
Pays when your aircraft injures people or damages property — passengers, people on the ground, hangars, other aircraft — plus defense. A single accident can generate claims well over $10 million. Watch the per-passenger sublimit: a $1M policy with a $100,000 per-seat cap barely responds to a serious passenger claim.
Hangarkeepers liability
Your legal liability for non-owned aircraft in your care, custody and control — essential for FBOs, maintenance shops and flight schools. Confirm the limit covers the highest-value aircraft you'll ever hold at once.
Premises and products
Injuries and property damage on terminals, ramps, runways and parking, and products liability for fuel sales. Aviation businesses need it alongside hangarkeepers and aircraft liability, not instead of them.
Non-owned aircraft liability
Protects you when you rent, borrow or charter an aircraft. Renters often assume the FBO's policy protects them; it protects the FBO.
War risk and territory
Standard policies exclude war and terrorism and limit coverage to the U.S. and Canada. Extend territory, and add war risk where required, before crossing a border.
Coverage for every type of aircraft
From single-engine pistons to turbines, rotorcraft and specialty aircraft.
Single-engine piston
Cessna, Piper, Beechcraft and Cirrus, for personal and business use.
Multi-engine piston
Baron, Seneca, Cessna 310 and similar twins.
Turboprops
King Air, PC-12, TBM and Caravan for corporate and charter use.
Business jets
Citation, Phenom, Learjet, Challenger, Gulfstream and Global.
Helicopters
Robinson to turbine — tours, EMS, utility and corporate.
Experimental and LSA
Homebuilt, experimental, light-sport and kit-built aircraft.
Balloons and gliders
Hot-air and gas balloons, gliders and motorgliders.
Drones and UAS
Commercial drone and UAS fleets for survey, inspection and delivery.
Vintage and warbirds
Antique, classic and warbird aircraft at agreed value.
Seaplanes and amphibians
Floatplanes and amphibians, including water operations and mooring exposures.
Where aviation coverage commonly falls short
Aviation policies are full of warranties, exclusions and limits. Here's what to watch and how to fix it.
Pilot warranty violations
Flying without meeting your policy's pilot requirements — wrong certificate, insufficient experience, a lapsed medical — can void coverage entirely, and many pilots don't realize they've fallen out of compliance. Higher-performance and new types usually require initial and recurrent training too.
The fix: review your pilot warranty at each renewal, tell your broker when qualifications change or pilots are added, and keep training and currency records.
Territorial limitations
Standard policies often limit coverage to the continental U.S. and Canada. A trip to Mexico, the Bahamas or beyond could leave you uninsured outside your policy territory.
The fix: review territorial limits before any international flight and request extensions in advance. Some destinations require separate war risk coverage regardless of standard limits.
Inadequate liability limits
Many owners carry the minimum without considering the exposure. A single accident with passenger fatalities or ground casualties can generate claims exceeding $10 million.
The fix: carry adequate limits — at least $1 million for most aircraft, higher for turbines or commercial operations (common starting points are $2 million for turboprops and $5 million for jets) — and consider an aviation umbrella. Ask for smooth limits when carrying passengers.
Undervalued hull coverage
Aircraft values shift with the market, avionics upgrades and condition. An outdated agreed value means you'll receive less than your aircraft is worth in a total loss.
The fix: review hull values annually, document all upgrades and update mid-term after significant avionics or refurbishment work.
Commercial-use exclusions
Personal aircraft policies typically exclude commercial use. Business transportation, rental, instruction or charter without the proper coverage can lead to denied claims.
The fix: disclose every use of your aircraft. If you charge for flights, rent it out or use it in business, make sure the policy specifically covers those uses.
Hangar and tie-down gaps
Where your aircraft is stored affects coverage. Some policies apply different coverage or deductibles for hangared versus tied-down aircraft, and relocating without notice can create gaps.
The fix: keep your broker informed of where the aircraft is based, understand how location affects coverage and deductibles, and review before relocating.
Aviation is a specialty, not a sideline
Aviation expertise
We understand aircraft, operations and the warranties that matter.
Market access
We work with the major aviation underwriters to find the right combination of coverage, service and price, and re-shop at renewal to keep terms sharp.
Fast service
Same-day quotes on most aircraft, and quick turnaround on certificates and policy changes.
Claims support
When you have a claim, we work with the underwriter toward a fair, prompt settlement.
Every kind of operation
Owner-pilots, flying clubs, corporate flight departments, FBOs and flight schools.
Pacific Northwest roots
A Kirkland, Washington brokerage serving aviators across the region since 1992.
Get your aviation insurance quote
Share your aircraft, pilots and how you fly. Most aircraft can be quoted the same day.
Coverage descriptions are general summaries for education. They are not legal or coverage advice, a statement of coverage, an offer or a binder. The coverage profiler is a starting point for discussion, not a quote. Suggested limits, coverages and warranty requirements are illustrative and vary by aircraft, pilot, operation, market and state. Coverage, limits and eligibility are governed by the terms, conditions, warranties and exclusions of the policies issued and are subject to underwriting.