Insurance for Charter Operators
and Managed Fleets
A coordinated insurance program for Part 135 operators, aircraft management companies, and complex fleets, built around the aircraft, contracts, crew requirements and training paths for pilots, passenger profiles, employees, and flexible approvals.
Charter and Managed fleet Insurance
What you need To know.
Who it's for
Eligible owners & operators
Commercial charter operators
Corporate flight departments
Fleet management companies
Multi-aircraft air-taxi services
Coverage
What a policy typically includes
Hull and liability across your entire fleet, structured around each aircraft's value and use
Contractual liability and additional insured requirements handled so your agreements are protected
Passenger and third-party liability limits that meet owner, client, and contract requirements
Crew approvals, owner pilot options, and training programs that work with your operation and schedule
Non-owned aircraft liability for when you sub-charter or fly an aircraft you don't own
Property, business auto, cyber, and workers' compensation coordinated with your aviation program
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.
Map the operation and responsibilities
We review the certificate structure, aircraft ownership, management agreements, charter activity, pilots, maintenance, employees, and the responsibilities accepted under each contract.
Build a coordinated submission
We organize fleet schedules, pilot and training information, loss history, safety practices, contracts, liability limits, and supporting coverage needs into one clear underwriting presentation.
Work through the aviation market
We market the presentation to all relevant underwriters and coordinate questions, explain additions, negotiate pilot training and transition requirements, and discuss unusual exposures directly to underwriters.
Compare the complete program
We review the entire list of carriers and review aircraft coverage together with contractual liability, nonowned exposure, hangarkeepers, property, auto, cyber, and workers compensation so important gaps are not hidden between separate policies.
From problem To Solution
The Situation
Adding a managed aircraft to a charter certificate
A management company planned to add a midsize jet owned by a new client and later place it into charter service. Before the effective date, the broker reviewed the management agreement, ownership entity, operational control, pilot and training plan, passenger use, and required limits. The aircraft was presented as part of the larger operation and received favorable terms and training requirements for the pilots that allowed for an easy transition for the pilot group and owner of the new aircraft.
The Testimonial
Luke Robertson
I can’t say enough good things about Joe Ryan. He has been an outstanding insurance broker and a tremendous resource for our company. Aviation insurance can be complicated, and Joe has consistently made the process straightforward, responsive, and easy to understand.
What really sets Joe apart is his level of service. He is always available when we need him, works hard to find solutions, and genuinely looks out for our best interests. As our operation has grown and become more complex, Joe has been right there with us every step of the way.
I trust Joe, I value his advice, and I would recommend him without hesitation to anyone looking for a knowledgeable, responsive, and dependable aviation insurance broker.
03 — THE SITUATION
A vintage aircraft, the wrong policy.
What do you need to quote a charter or managed fleet?
Your certificate and operating structure, fleet schedule, ownership, pilot roster, training, annual hours, territory, passenger profile, contracts, maintenance, loss history, and requested limits. A complete electronic submission with a current fleet schedule and pilot roster gets underwriters to a quote faster.
Can owned and managed aircraft be on one program?
Often yes, with the same underwriter. It depends on ownership, operational control, use, and insurer appetite, so each aircraft and entity should be reviewed. One program can simplify renewals and reduce gaps between policies.
Why do management and charter agreements matter?
Contracts can shift responsibility, require limits, or add parties to the policy. Have your broker review the agreements and the policy together so the coverage matches how you operate.
How do we add aircraft mid-term?
Notify your broker as early as possible with the aircraft, owner, use, pilots, value, and target date. Don’t assume a newly acquired aircraft is covered automatically, and wait for written confirmation before it flies. A simple phone call or text message with the details is enough to get an aircraft added.
What is nonowned aircraft liability?
Coverage for your organization’s legal liability when using aircraft it doesn’t own, such as a substitute aircraft or a short-term lease. Terms and limits vary, so it isn’t automatic fleet coverage.