Insurance For Charter Operations

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Insurance for Part 135
On-demand Charter Operations of All Sizes

At Zanette Aviation, we have decades of experience in arranging policies for Part 135 on-demand charter and air taxi. Our clients include private jet charter, air ambulances, helicopter sightseeing, and on-demand cargo. We work with fleets of all sizes, from one-ship operations to complex businesses.

Through our expertise, we can walk you through the array of coverages beyond aircraft hull and liability that may be needed to appropriately insure your operation. As your partners in insurance, we aim to provide protection and peace of mind, allowing you to focus on the business at hand—flying the friendly skies.

Available Coverages

Hull & Liability Coverages

The coverages available for your aircraft include:

  • Hull values up to $50 Million

  • Liability limits up to $500 Million

  • Excess Hull & Liability coverage available for those with higher requirements

Coverage Territory

  • United States of America

  • European Regulation Coverage / European Union (EU) Coverage

  • Asia and India

  • Worldwide

  • *Mexican liability certificate (A separate liability policy purchased from a Mexican insurance company is required for flights into Mexico.)

Types of Aircraft

We can find coverage for most aircraft, including the following popular makes and models:

Piston Aircraft:

  • Cessna 172, 182, 210

  • Beech Bonanza; Beech Baron

  • Mooney M20

  • Cirrus SR22

Turboprop Aircraft:

  • Pilatus PC-12

Jet Aircraft:

  • Hawker 800

  • Pilatus PC-24

  • Cirrus SF50 Vision Jet

Rotorcraft:

  • Enstrom 280, 480

  • Bell 47

  • Robinson R44

Getting Started

    • Charter certificate holder

    • Charter certificate number

    • Average number of passengers

    • Estimated annual hours flown

    • Average number of passengers

    • Passenger profile (e.g., family, friends, business)

    • International exposure

    • Primary area(s) of operation

    • Dry leases

    • Maintenance provider

    • Loss history

    • Aircraft year, make, model, and tail number or Fleet List

    • Hull value (if physical damage coverage is desired)

    • Airport / location and storage (hangared, tied, moored, etc.)

    • Aircraft ownership information

    • Lienholder information (if applicable)

    • Date of Birth

    • Certificate & ratings

    • Most recent medical & flight review

    • Total time

    • Make/model hours

    • Type ratings

    • Training Info

    • Any losses, waivers, or violations

    • Survey the current market for carriers with the appetite for your fleet size, aircraft type, and type of operation.

    • Submit all organization documents and fleet information that we have available.

    • Submit rosters for pro-pilots on the policy (if available).

    • Analyze quotes for differences in premium, policy form, and pilot requirements.

    • If appropriate, negotiate with underwriters for revisions.

    • Present you with the best proposal available.

  • A bind order (either by phone or email), effective date, and down payment are needed to begin coverage for your charter operation.

Supporting insurance coverages

We offer a wide range of insurance policies to cover your business as your exposures grow and change.

  • In many states*, Workers Compensation insurance is required once you add your first employee. Our insurance partners offer competitively-rated coverage for all aviation-related payroll / employment categories. The typical policy includes the following limits:

    • $1,000,000 Each Accident

    • $1,000,000 Disease - Policy Limit

    • $1,000,000 Disease - Each Employee

    Policies are based on an estimated annual premium, with payment due in full at the start of the policy period. An annual audit is conducted at the end of the policy period.

    Dividend programs are available for NATA and NBAA members. Individual dividend options may also be available.

    *Please refer to the workers compensation laws in your state for specific requirements.

  • Provides coverage for stored inventory and tools belonging to your company and/or employees, as well as your business personal property.

  • While most Aviation General Liability policies offer On-Airport Auto Liability coverage, a Commercial Auto policy is a useful option for liability and physical damage coverage when driving off-airport premises. The following coverages and limits are available:

    • Liability: Up to $1,000,000 (excess liability policies may be available as needed)

    • Comprehensive Coverage

    • Collision Coverage

    • Hired Autos: For rental vehicles

    • Non-Owned Autos: To cover employee-owned vehicles when driving on behalf of your business

    Click here to request a Commercial Auto quote.

  • Professional liability insurance is also known as errors & omissions insurance. This policy protects against claims of negligence, professional mistakes, or misrepresentation in your services.

  • Provides coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.

  • Directors & Officers Liability insurance protects directors and officers of a company from personal liability arising from alleged wrongful acts or negligence. It also covers claims made by employees, customers, competitors, or regulatory bodies related to decisions or actions taken by directors and officers in their official capacities.

    Source: ERGO Next Insurance

The Charter Operations Team