Personal Aircraft
Insurance
Coverage built around your aircraft, your flying habits, and the genuine risks of private aircraft ownership — not a generic policy designed for volume.
Personal Aircraft Insurance
What you need To know.
Who it's for
Eligible owners & operators
Private piston & turboprop
owners and operators
Recreational & travel pilots
flying for personal use
LLC or trust-held aircraft
entity-structured ownership
Aircraft transitions
stepping into a new type
Coverage
What a policy typically includes
Agreed value hull
no depreciation at total loss
Bodily injury & property damage
flying for personal use
Medical payments
for aircraft occupants
In-flight and ground risk
full flight envelope
Hangar & non-owned
optional liability add-on
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
Simple.
Straightforward.
Personal.
Getting the right aviation insurance should not feel complicated. Ryan keeps the process clear and personal from start to finish.
Aircraft Insurance
Review your options
Finalise your coverage
From problem To Solution
01 — The Situation
A vintage aircraft, the wrong policy.
The gap between the agreed value on his policy and the aircraft’s actual market value had grown to nearly $40,000. Had he suffered a total loss, he would have received far less than what the aircraft was genuinely worth — and far less than what he had invested in its restoration.
02 — The Solution
Coverage built around the aircraft as it actually exists.
03 — THE SITUATION
A vintage aircraft, the wrong policy.
Can a student pilot buy renters insurance?
Yes! Many flight schools recommend or require students to carry their own coverage.
Do I need a CFI endorsement?
If you instruct, yes. A basic renter policy may not cover liability from instruction unless CFI coverage is added.
How much coverage should I carry?
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.
What does nonowned aircraft damage coverage protect?
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.
Doesn’t the owner’s policy protect me when I rent?
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.
What happens at a workers comp audit?
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.
Can pilots, mechanics, and office staff be classified differently?
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.
Are independent contractors excluded?
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.
Does my aircraft liability policy cover employee injuries?
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.
Is workers comp required for my aviation business?
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.
Ready to protect
what keeps you flying?
or call +1 (512) 555 0193