Insurance for flight schools & flying Clubs

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Comprehensive coverage for
Flight Schools
and Flying Clubs requires specialized knowledge.

Flight schools were among our first clients when we opened our doors in 1989. We have experience with Part 61 and Part 141 schools of all sizes, from small fleets of fewer than 10 aircraft to fleets of 90+ aircraft. We’re fortunate to enjoy long-term relationships with our flight school clients, which allow us to offer our support as they grow, evolve, and expand.

We also have extensive experience providing coverage to flying clubs, including both equity and non-equity structures. We can advise on the best package to appropriately manage your specific risk and exposure, from directors & officers insurance, contents insurance, and more. We can also secure coverage for any repair and service operations connected with your club.

Available Coverages

Hull & Liability Coverages (Flight Schools & Flying Clubs)

Available limits for Flight Schools (Instruction & Rental Use)

  • Hull values up to $1 Million

  • Liability limits up to $2 Million Each Occurrence / $250,000 Each Passenger

Available limits for Flying Clubs (Non-commercial / Pleasure & Business Use)

  • Hull values up to $500,000

  • Liability limits up to $1 Million Each Occurrence / $100,000 Each Passenger

Coverage Territory
$0.00

  • 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
$0.00

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

    • Articles of incorporation, bylaws, and student agreements

    • Operating rules and safety manual

    • Safety program

    • Resume for chief pilot

    • Roster of all CFIs, including date of birth, certificate, ratings, and total hours

    • Aircraft fleet list, including year, tail number, hull value (if covered), and liability limits

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

    • Aircraft Ownership information

    • Loss history (if applicable)

    • Legal structure for the club (ex. equity vs. non-equity)

    • Articles of incorporation, bylaws, and member agreements

    • Operating rules and safety manual

    • Safety program

    • Roster of all club members, including date of birth, certificate, ratings, and total hours (if available; not required for quoting)

    • Aircraft fleet list, including year, tail number, hull value (if covered), and liability limits

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

    • Aircraft ownership information

    • Loss history (if applicable)

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

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

    • Submit rosters for members and/or CFIs 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 organization.

Supporting insurance coverages

Flight schools and flying clubs may benefit from additional insurance coverages beyond aircraft hull and liability.

  • 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 flight simulators, 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 Flight Schools & Flying Clubs Team