insurance for general aviation pilots

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Insurance for General Aviation Pilots can be tailored to the individual or company that it serves.

The key to securing the best aircraft insurance for you is to work with a highly knowledgeable broker. Our job is to make sure that your policy covers all the particulars for your specific needs. Whether it’s a Cessna, Cirrus, Beechcraft or Mooney, we survey the entire market to identify the best aircraft insurance policy fit.

We can offer solutions to meet most cases, including:

We are also experienced in placing coverage for clients with special considerations, including:

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
$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

What information do we need from you?

Aircraft Info

  • Make and model

  • Year and tail number (if available)

  • Hull value (if physical damage coverage is desired)

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

  • Ownership information

Pilot Info (for all named pilots)

  • Date of birth

  • Certificate

  • Ratings

  • Total time

  • Make/model hours

How do we market your aircraft?

  • Survey the current market for carriers with the appetite for your specific aircraft.

  • Submit all aircraft information that we have available.

  • Submit history forms for all named pilots on the policy.

  • Analyze quotes

  • If necessary, negotiate with underwriters

  • Survey the current market for carriers with the appetite for your specific aircraft.

  • Submit all aircraft information that we have available.

  • Submit history forms for all named pilots on the policy.

  • 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.

What do we need to bind coverage for your aircraft?

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

Special
Considerations

  • Our goal is for pilots to fly as long as they can safely operate an aircraft. We work closely with carriers and our clients who are retirement-age and beyond to secure policies that allow for adequate flight hours and training during the policy period.

    As pilots approach retirement, they may need to meet requirements separate from FAA guidelines, such as:

    • Increased currency training (e.g., CFI checkouts if minimum flight hours are not satisfied)

    • annual medical requirements, possibly 3rd class or better

    Contact our brokers to discuss your individual situation in more depth.

  • Looking to transition to a larger or more powerful aircraft? We work with you and your insurance carrier to create a customized training plan to meet your needs while managing the increased risk that comes from upgrading aircraft.

    To begin marketing, we’ll need the following:

    • Make and model of your new aircraft (if applicable)

    • Training school

    • Name and resume for your CFI

    Contact our brokers to discuss your individual situation in more depth.

  • We are experienced in placing coverage for pro-flown / Part 91 Industrial Aid aircraft. In addition to the items listed above, we will also need the following information to begin the marketing process:

    • Aircraft ownership

    • Hull value and liability limits

    • Lienholder information (if applicable)

    • 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 Performed by:

    • Pro-pilot experience and history:

      • Date of Birth

      • Certificate & ratings

      • Most recent medical & flight review

      • Total time

      • Make/model hours

      • Type ratings

      • Training Info

      • Any losses, waivers, or violations

Frequently Asked Questions

  • There is no “pleasure only” use. Pleasure & Business (P&B) is defined as non-commercial – private use, excluding any use for hire, money, or any form of reward or compensation from others for which a profit is made. Using the aircraft for your non-commercial business is included and does not have an impact on the premium.

  • Unfortunately, this option is not available. Unlike car insurance, in aviation insurance we do not have the option to manipulate the deductibles to decrease the premium.

  • There are no financial implications to your insurance if you decide to register your aircraft with a Corporation or LLC. We simply need to amend your policy to reflect this change.

  • Yes, if you sell your aircraft, the short-rate unearned premium will be returned to you once the cancellation of your policy has been processed. As the aircraft owner, it is your obligation to contact us in order to cancel your policy. A formal cancellation form must be signed.

  • In most cases, there is no return premium for deleting a Named Pilot.

  • The covered territory under the policy is standardized. This is not something that can be amended to be more restrictive for a reduction in premiums.

The General Aviation Pilots Team