Flight School Insurance Built for the
Way You Train and Teach
Flight School Insurance
What you need To know.
Who it's for
Eligible owners & operators
Professional flight schools
University aviation departments
Aircraft rental operations
Independent CFIs
Flying clubs
Coverage
What a policy typically includes
Hull and liability options for dual instruction, solo, and rental use, built around how your fleet is used
Premises and aviation general liability for students, customers, and visitors
Physical damage and aggregate deductible options based on your school's specific needs
Coverage for simulators, tools, equipment, and business property
Flight instructor liability that protects your CFIs and your school, including W-2 and contract instructors
Workers' compensation and employer's liability for your staff and instructors
Flexible policy payment options to control monthly expenses
What we need from you
To get your quote started
Aircraft details
make, model, year, agreed value
Pilot certificate
and total logged hours
Hours in make/model
plus recent 90-day hours
Intended use
pleasure, business, or instruction
Desired liability limits
Our
Process
Getting the right aviation insurance should not feel complicated. Ryan keeps the process clear and personal from start to finish.
Learn how the school operates
Show the controls behind the operation
Approach flight school markets
Build and maintain the program
From problem To Solution
The Situation
Adding the first multiengine trainer
The Testimonial
Noah Matisoff
03 — THE SITUATION
A vintage aircraft, the wrong policy.
Does the policy cover student solo and rental flights?
It can, if the policy allows those uses and the pilots meet the requirements. Solo, rental, and discovery flights each need to be disclosed and listed under the policy’s use section.
Are instructors automatically covered by the school’s policy?
Not always. The policy may protect the school without fully protecting each instructor. Many
instructors carry their own CFI nonowned policy to fill that gap.
Does it matter if instructors are employees or contractors?
Yes. It affects workers comp, employer liability, and how instructors are covered under the aviation policy. Calling someone a contractor doesn’t settle it on its own.
What helps us get better underwriting terms?
Good pilot and instructor records, written checkout standards, maintenance documentation, safety procedures, fleet utilization, loss runs, and clear corrective action after any claim. Underwriters favor schools that can show a structured training program on paper.
What should we do before adding a multiengine aircraft or helicopter?
Have the plan ready before you buy: instructor qualifications, student prerequisites, syllabus, checkout standards, maintenance, projected hours, and aircraft value. Share it with your broker early, so your broker can present complete market options and not leave you with a single option you have to bind.