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Aviation Insurance / Services

Personal Protection When You Fly or
Instruct in Aircraft You Do Not Own

Nonowned aircraft insurance for student pilots, renters, borrowers, and flight instructors who want their own liability protection and coverage for responsibility arising from damage to a rented or borrowed aircraft.

Renters and CFI Nonowned Insurance

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Coverage Details

What you need To know.

Who it's for

Eligible owners & operators

Student pilots

Recreational pilots

Renters

Borrowers

Certified flight instructors

Coverage

What a policy typically includes

Liability for bodily injury and property damage when you fly an aircraft you don't own

Flight instruction activity for CFIs when properly endorsed

Coverage for your legal responsibility for damage to the aircraft you rent or borrow

Loss-of-use options for when the owner loses revenue while the aircraft is repaired

Legal defense for covered claims

Limits selected based on the aircraft you fly and your exposure

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

Understand the aircraft and operation.

We begin by having a conversation about the aircraft, ownership, pilots, intended use, training, territory, liability needs, and any lender or contract requirements.
01
step 02
2

Prepare the submission.

We translate the information into a complete underwriting presentation that speaks to the quality of the risk, highlights the relevant experience, and addresses potential concerns with aviation specific explanations.
02
step 03
3

Approach the appropriate markets

We work with the complete market of aviation insurers that have appetite for the aircraft and pilot profile, then follow through with underwriters as questions arise and negotiate the best policy.
03
step 04
4

Compare and place coverage

We present the complete list of options and explain the premium, limits, pilot terms, training, deductibles, exclusions, and important differences between the available options. Coverage begins only after the selected insurer agrees to bind it.
03
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

A CFI who instructs in customer aircraft and rents personally

A flight instructor regularly taught in aircraft owned by clients and also rented an aircraft for personal use. The school and aircraft owners carried their own policies, but those policies did not necessarily provide the instructor with individual protection. The instructor reviewed personal liability, nonowned aircraft damage, aircraft values, rental agreements, and instructional activity with their broker, then selected a policy that specifically recognized the CFI exposure.

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 may protect the owner without fully protecting you, and the owner’s insurer may be able to recover its loss from you. A renters policy covers your own liability and damage exposure.

Your responsibility for damage to an aircraft you don't own, up to your limit. It’s separate from the owner’s hull coverage and can cover the deductible you’d owe the owner.

Enough to cover the value of the aircraft you fly, the deductible you’d owe under the rental agreement, and possible loss of use. Review your limit before moving up to a more valuable aircraft.

If you instruct, yes. A basic renter policy may not cover liability from instruction unless CFI coverage is added.

Yes! Many flight schools recommend or require students to carry their own coverage.

Learn more

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what keeps you flying?

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