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Aviation Insurance / Services

Workers Compensation for Aviation
Employees and Operations

Coverage for flight schools, charter operators, management companies, FBO’s Maintenance organizations, flight departments, and aviation businesses organized around the people who fly, instruct, maintain, fuel, dispatch, handle, and support aircraft, with payroll and job duties classified to match the actual operation.

Aviation Workers compensation insurance

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Coverage Details

What you need To know.

Who it's for

Eligible owners & operators

Flight Schools

Part 135 Operators

Fixed Base Operators (FBO)

Aircraft management firms

Maintenance facilities

Coverage

What a policy typically includes

Workers' compensation benefits required by your state, for everyone on your team

Multistate coverage for teams that work or travel across state lines

Employer's liability coverage that protects your business if an injury leads to a lawsuit

Help with audits, experience rating, and loss control to keep your premium in check

Accurate classifications for pilots, flight crew, instructors, mechanics, line service, and office staff

State safety and training credits when your program qualifies, plus guidance on rating modifiers and credits that can provide premium relief

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

Why Us

Our
Process

Getting the right aviation insurance should not feel complicated. Ryan keeps the process clear and personal from start to finish.

step 01
1

Map employees by duty and state

We separate pilots, instructors, mechanics, line staff, ramp staff, dispatchers, and office employees instead of treating the entire aviation business as one payroll group.
01
step 02
2

Review legal and operational structure

We identify the employing entities, states, owners, officers, contractors, travel, temporary work, and any aircraft or international exposure that may affect the program.
02
step 03
3

Prepare payroll and loss information

We organize estimated payroll, classifications, experience rating, prior audits, loss runs, safety practices, and corrective actions for markets that can consider aviation operations and price them competitively.
03
step 04
4

Place and manage the policy

We explain classifications, rates, deposits, audits, employer liability, and state listings, then help address hiring, new locations, payroll changes, claims, and renewal updates.

04
StarT THE CONVERSATION
Client Story

From problem To Solution

A real-world example of what it means to have a specialist review your coverage — and what can go wrong when you don’t.

The Situation

Illustrative Case Study

Separating mixed aviation payroll across the operation

An aviation business employed pilots, instructors, mechanics, line personnel, and office staff in more than one state. They previously were part of a state fund and were looking for better service and rates to fit their exposure. The prior payroll summary did not clearly separate duties or locations. The broker worked with the company to organize payroll by employee function and state, gather loss runs, review contractor use, and explain the operation to workers compensation markets. The clearer structure made the policy easier to review and price, and simpler to audit.

02 — The Solution

Testimonial

Jean Marc

I cannot recommend Joe Ryan highly enough for all of my aviation insurance needs. He initially helped me insure my Cessna 182T Skylane, then seamlessly guided me through adding a TBM 850 single-engine turboprop and ultimately a HondaJet Elite S. Throughout every transition, he worked diligently to secure the best coverage and most competitive rates possible.
What truly sets him apart is his professionalism, responsiveness, and personal attention. He is always available to take my call or email, incredibly easy to work with, and consistently makes the insurance process straightforward and stress-free.

If you’re looking for an aviation insurance broker who genuinely cares about his clients, delivers exceptional service, and goes the extra mile to find the best coverage, I highly recommend Joe Ryan. He has earned my complete trust and is someone I know I can always count on.

03 — THE SITUATION

THE SITUATION

A vintage aircraft, the wrong policy.

Twelve months after placing the policy, James made a precautionary landing at a grass strip in eastern Texas. The aircraft sustained gear damage on rollout — not catastrophic, but significant. The repair estimate came in at $22,000.
Because the policy had been placed correctly, the claim was handled without dispute. The agreed value was on file, the cause of loss was covered, and Ryan managed the claims process directly with the insurer. James had his aircraft back in the air within six weeks.
Discuss your situation
FAQ

what you need to know

Still have questions? Joe will respond personally.

Ask a question

It depends on your state, entity type, employee count, and job duties. Contracts and airport leases may require it even when the law doesn’t, so check every state where your employees work.

Usually not. Employee injuries are typically excluded from aircraft liability policies. Workers comp is designed for work related injuries, including crew injured in an aircraft accident.

Not automatically. A contract or 1099 doesn't always decide it; state law and the actual work matter. Collect certificates of insurance from subcontractors, or their pay may be added to your audit.

Yes. Flight, maintenance, line service, and office work are rated differently. Tracking payroll by job duty keeps office staff from being rated at pilot rates.

After the policy term, the insurer reviews actual payroll, job duties, states, and contractors. Your final premium can go up or down, so keep payroll records organized by classification throughout the year.

Get in Touch

Ready to protect
what keeps you flying?

Let’s talk about your aircraft, your risks and the coverage that makes sense for you.
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