Aviation Insurance Solutions Built for You
TruSummit Insurance is your trusted local expert in Aviation Insurance. Whether you’re a private pilot, aircraft owner, commercial operator, or aviation-related business, we offer tailored insurance solutions to meet your unique needs.
Top Coverage Considerations for Aviation Professionals
Hull Coverage: Protects your aircraft against physical damage, whether it’s on the ground, taxiing, or in flight. This is essential for aircraft owners, flight schools, and private pilots.
Liability Coverage: Covers bodily injury or property damage caused by your aircraft to third parties. This is a crucial coverage for anyone who operates aircraft — even a minor incident can result in costly lawsuits.
Passenger Liability: Protects you if a passenger is injured while on board your aircraft. Many general liability policies exclude passenger injuries, so this coverage is key for charters, flight schools, or personal use.
Hangarkeepers Liability: Designed for Fixed Base Operators (FBOs), mechanics, or anyone responsible for storing or maintaining other people’s aircraft. It protects against damage to non-owned aircraft while in your care, custody, or control.
Ground Risk Insurance (Not-in-Motion and In-Motion): Covers your aircraft when it’s not flying — either parked or taxiing — which is often when damage occurs due to weather, fire, or accidents on the ground.
Who Needs Aviation Insurance?
Aviation insurance is critical for a wide range of individuals and organizations in the aviation space, including:
- Private aircraft owners
- Flight schools and instructors
- Charter and air taxi operators
- Commercial pilots
- Aviation mechanics and maintenance shops
- Aircraft leasing companies
- Drone operators (UAS)
- FBOs (Fixed Base Operators)
Don’t Underestimate the Risks
The aviation industry comes with high levels of responsibility and exposure. Even small claims can result in substantial financial consequences. Having the right aviation insurance ensures you’re protected against lawsuits, accidents, and equipment damage that could otherwise ground your business.
Common Aviation Insurance Coverage
1. Aircraft Liability Insurance:
Protects against legal liability for bodily injury or property damage caused by the aircraft’s operation.
2. Aircraft Hull Insurance:
Provides coverage for physical damage to the aircraft itself, with options for “in-motion,” “not in motion,” or “all risks” coverage.
3. Hangarkeepers Insurance:
Protects you if you store or repair aircraft that you do not own.
4. Products & Completed Operations Liability:
For businesses involved in aircraft maintenance, parts manufacturing, or installations — protects you if something goes wrong after service or delivery.
5. Commercial General Liability (CGL):
Covers premises liability for aviation businesses, such as offices, hangars, or storefronts.
6. Aviation Workers Compensation:
If you employ pilots, mechanics, or ground crew, this coverage is often required to protect your workers from job-related injuries or illness.
Should You Consider Drone Insurance
Unmanned Aircraft Systems (UAS), or drones, are increasingly used in agriculture, real estate, media, inspections, and surveillance. If you’re operating drones for commercial purposes, you’ll need dedicated drone liability coverage, and possibly hull coverage for the equipment itself.
How to Get Started on Your Quote
To get started on your aviation insurance quote, give us a call or visit our quotes page. We’ll walk you through the process and make sure your policy fits your operations, aircraft, and regulatory requirements.