Cover It All
Insure passengers and others
While it’s important to insure your aircraft, it’s not the only thing that could be damaged in the event of an accident. Passengers, people in the vicinity, and property nearby could all be harmed. CSL insurance will help you to protect yourself financially should such an accident occur.
What is CSL insurance?
CSL insurance is Combined Single Limit insurance and it combines public liability insurance and passenger liability insurance into one policy.
What is public liability insurance?
Public liability insurance is the policy that covers any damage done to people or property outside of your aircraft by your aircraft. For example, if your jet collided with the wall of the hangar while taxiing, your public liability insurance would cover the damage. If someone who was not a passenger was injured due to your aircraft, then public liability insurance would also cover that.
What is passenger liability insurance?
Passenger liability insurance is an insurance policy that covers the passengers you may have on your aircraft. This type of insurance would cover any medical costs should a passenger be injured on your aircraft, whether it’s due to turbulence or because of an accident. Passenger liability insurance should also cover any claims made by family members should a passenger pass away in an accident involving your aircraft.
What is the difference between CSL insurance and passenger or public liability insurance?
It’s possible to take out two separate policies and maintain both passenger liability insurance and public liability insurance. However, that would mean that you would also have two separate limits. CSL insurance combines these two policies into one and offers more flexibility. For example, if an accident occurred and passengers were injured but only a little bit of property damage occurred. The small amount of property damage might not meet your limit on the public liability insurance policy by itself, but would when combined with the passenger liability insurance for the CSL policy.
What is the difference between passenger liability insurance and public liability insurance?
Passenger liability insurance covers your passengers and is typically sold on a per-seat basis, meaning that the amount of passenger liability insurance you’ll need depends on the size of your aircraft. Public liability insurance, on the other hand, covers third-party claims and is sold on an amount-per-incident basis.
Who needs CSL insurance?
It’s not illegal in the United States for your aircraft to be uninsured, but it’s still recommended that you have insurance so that you are protected financially should an accident occur. Your insurance policies will need to include the following:
Passenger liability insurance
Cover passengers riding in the plane while the policy holder is operating it.
Public liability insurance
Cover damages that occur to third-party entities and property.
Cover damages sustained while the plane is in motion.
Ground risk hull insurance
Cover damages sustained while it is on the ground but not in motion.
CSL insurance covers two of those, but whether it’s a better choice for you over having two separate passenger and public liability insurance policies depends on your insurance needs and your aircraft.
How much CSL insurance do you Need?
CSL insurance typically as a specific limit per accident, which means that how much insurance you need is also calculated on a per-accident basis. However, that doesn’t mean that you shouldn’t take into account the size of your aircraft and the number of passengers it can hold. Passenger liability insurance is calculated on a per-seat basis and, the more passengers you can have, the larger a CSL policy you’ll need.
You may need aviation insurance for international travel
Even though the United States doesn’t require aviation insurance, other countries might. If you want to travel internationally, you’ll either need to make sure that you’re fully insured or only travel where it’s not required.
FBOs may require aviation insurance
Despite the lack of a federal requirement for aviation insurance in the US, you’ll still need it if you’d like to take advantage of the services of an FBO. Most, if not all, FBOs require that aircraft are completely insured.
Real customer reviews
"She found the best quote out of everyone we asked"
"We worked with Avion to insure our Cirrus starting in December 2018, and can highly recommend. Tanya was super responsive and helpful in answering questions. On top of that she found the best quote out of everyone we asked. Highly recommend!"
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"I have been with Avion for many years, Scott is running a very professional organization, he selects the best agents in the business and give them authority to deal with customers (he never micro manages the agents), so when I ask for some modification and or any other arrangements the staff are able to answer and deal with it. I have enjoyed working with all of them specially Chris, stacey and so on, they shop around and make sure I get the best premium also representing me well with the underwriters. I am very happy with Avion."
"The entire team at Avion Insurance are fantastic"
"Chris and the entire team at Avion Insurance are fantastic, excellent professionals. I own a flight school at Kissimmee Gateway Airport, Avion has been taking care of our insurance needs for many years now. Highly recommended. Thanks guys for all your help."
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"Property insurance for condo aircraft hangars in a "Florida coastal area" had been a struggle ever since 2004. Last year it was our good fortune to be referred to Scott Langevin at Avion by the National Hangar Insurance Program; he was the first to provide sensible coverage in over a decade. His support staff is awesome also, and this year's renewal was seamless. Thanks Avion!!"
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