Insurance For Fixed Base Operators

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Fixed base operators can require a complex group of coverages to be properly protected.

Fixed base operators provide and facilitate airport services from parking and concessions to fuel and pilot / passenger services. We work with you to build a unique package to satisfy your operational needs. Our expertise is useful in untangling the complex chain of coverages needed to protect your business.

Key Coverages

Fixed base operators often require several policies to provide comprehensive coverage that satisfies specific risk and exposure profile.

    • Hull values up to $50 Million

    • Liability limits up to $500 Million

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

  • Liability (and optional hull coverage) for ground and flight operations of aircraft that you do not own.

    Limits up to $25 Million are available.

  • Provides coverage for bodily injury and property damage that may occur due to your finished work, services, or sale of products.

  • Provides coverage for aircraft that you do not own while in your care, custody, and control.

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. Coverage is also available for fuel tanks (above and below ground).

  • While most Aviation General Liability policies offer On-Airport Auto Liability coverage, a Commercial Auto policy expands coverage to include crew cars, passenger vehicles, service trucks, fuel trucks, and more.

    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

MRO Service Team