Protect Your Passengers
Passenger Liability Insurance
Insure every passenger that sets foot on your aircraft. Trust that your passengers are protected when you take off.
Cover It All
Insure your passengers
Your aircraft isn’t the only thing that needs to be insured. You’ll also need to insure your passengers so that they’re protected as well in the event of an accident.
What is passenger liability insurance?
Passenger liability insurance is aviation insurance that specifically covers any passengers who are on board your aircraft. This type of insurance protects your passengers and ensures that you’re covered in an accident in which you’re liable that injures or kills a passenger.
What does passenger liability mean?
In legal terms, passenger liability refers to the responsibility the owner of an aircraft legally has for passengers flying on their aircraft. This legal responsibility includes responsibility for any injuries or deaths that arise as a result of an accident in an aircraft or other vehicle, as well as for passenger belongings that might get damaged.
What is the difference between aviation general liability insurance and passenger liability insurance?
Aviation general liability insurance covers any damage that the aircraft might cause to a third party. For example, if an aircraft crashed into someone’s house, general liability insurance would cover the damaged property as well as anyone injured in the accident. By contrast, passenger liability insurance covers people who are actually on board your aircraft as passengers.
Who needs passenger liability insurance in aviation?
In the United States, there aren’t any federal or state laws that require you to have passenger liability insurance or any other type of aviation insurance, you’ll still need it. This is not only to protect yourself should an accident occur. Without insurance, you would be liable for the full costs of replacing passenger property and for medical bills and more should someone sustain an injury or worse while on board your aircraft.
FBOs require aviation insurance
Typically, FBOs require any aircraft to be fully insured, which would include passenger aviation insurance. In order to make use of any FBO within the United States, you’ll need passenger liability insurance
Some countries require aviation insurance
Even though the United States doesn’t have federal or state laws requiring private aircraft to be insured, many countries across the world do. If you want to fly your aircraft internationally, then you’ll need to make sure that your aircraft and all of the passengers on it are fully insured.
What does passenger liability insurance cover?
In aviation, passenger liability insurance covers both passengers and their belongings. In the event of an accident, for example, your passenger liability insurance would cover the costs of replacing damaged passenger property as well as medical bills for injuries sustained.
How much aviation passenger liability insurance do you need?
Aviation passenger liability insurance is typically calculated on a per-seat basis. This means that the larger your aircraft and the more passengers you can carry, the more passenger liability insurance you will need. This is often calculated as $200,000 per passenger, or $1 million total, but what you need depends on your aircraft and your specific needs. It’s better to have more passenger liability insurance than less, however.
Our partners
We work with every underwriter in the industry
We are honored to represent every A rated Aviation Insurance underwriter in the industry, as well as Lloyds of London and worldwide reinsurers. With our experts looking at every option for your specific situation, you can’t find a better price anywhere else.
Real customer reviews
Client testimonials
"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!"
Oliver C.
"I am very happy with Avion"
"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."
Bijan M.
"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."
Felipe S.
"Very happy with the way they helped me"
"To get an insurance thru these guys was a breeze. Chris helped me get things done fast and easy. No hassle at all. Very happy with the way they helped me and handled my requests. Thank you, guys!"
Zsolt P.
"... attend to my needs as a small business owner."
"I have had Avion for the second year now and have had zero issues. They are responsive and attend to my needs as a small business owner. I would highly recommend any drone businesses give them a call. I will certainly be doing more business in the years to come. Thanks."
Brian H.
"Always great with customer service"
"Avion Insurance has been very helpful and always with great customer service. I know we can always count on Chris and his team to get our requests in on time. Would definitely recommend."
Catherine B. M.
"Quick to respond and answer your questions"
"Excellent service, quick to respond and answer your questions. Scott and his staff are very knowledgeable and easy to work with."
Tina G.
"Able to turn around the paperwork very quickly"
"Great experience. I needed last minute insurance for a job. Avion, was able to turn around the paperwork very quickly. Thanks again!"
Robert M.
"Exceedingly professional and knowledgeable"
"The staff at Avion are exceedingly professional and knowledgeable. They have been our insurance agents for almost 15 years. Scott and Chris are "Can Do" people and they will work for their clients to get the best price on the best coverage possible. They are always there when you need them as well. Simply Awesome."
Richard H.
"Support staff is awesome"
"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!!"
Dan B.
"First Class Service all around"
"Scott, Chris and the entire team at Avion are absolutely the best to work with. They are very quick and responsive to any request, and do their best to ensure that I get the best coverage at the best rate for my FAR Part 135 Charter operation. First Class Service all around."
Shawn G.
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