Insurance for Maintenance, repair & overhaul operators

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Aviation General Liability is the first step to protecting your mro / repair & service business.

We work with MROs, Aircraft Repair & Service facilities, Part 141 repair stations, and independent aircraft mechanics, including mobile and fixed base operations. We provide coverage for clients at every stage of development — from start-ups to maturity, and from single owner-operators to large-scale operations.

As brokers, our goal is to offer personalized consultation services to discuss insurance solutions that are the best fit for your current and future needs. Our packages are designed to scale alongside your business, providing you with peace of mind.

KEY COVERAGES

Aviation General Liability policies include three central coverages. All three are needed to appropriately protect your MRO business.

Premises Liability

“Slip and Fall” coverage required by most airports. The default limit is $1,000,000, though higher limits are available.


Hangarkeepers Liability

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

Limits begin at $100,000 each aircraft / $100,000 each loss, up to $1,000,000, though higher limits may be available (subject to underwriter approval).

Products-Completed Operations Liability

Provides coverage for bodily injury and property damage that may occur due to your finished work or products, discovered after repairs/service have been completed.

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

MRO Service Team