Protect Yourself from Liability

Public Liability Insurance

Insure yourself from liability in accidents that involve your aircraft

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Insure yourself from liability

It’s important to insure not only your aircraft, your crew, and your passengers, but also yourself. If there’s an accident involving your aircraft, you could be held liable for the costs of any damage to someone else’s property or injuries to someone not associated with you and your aircraft.

What is public liability insurance?

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Public liability insurance is an aviation insurance policy that covers you in the event that your aircraft causes damage or injury to third-party property or people. If an accident occurs and you are liable for any damages that occur, then this type of insurance will cover the costs of paying for those damages.

What is public liability?

Liability in the legal sense is your responsibility as the owner of your aircraft for the people and property around you. This means that if your aircraft injures or kills someone or causes damage to third-party property, then you are responsible for paying for the costs. In the case of an injury, these costs would be the medical bills. For property, it’s the cost of repair or for a replacement.

What is the difference between public liability insurance and passenger liability insurance?

There are several different types of liability policies in aviation insurance. Public liability insurance covers damages to third-party property or people not associated with your aircraft. Passenger liability insurance, on the other hand, covers any injury to the passengers on board your aircraft. Both do cover injury to people and property, but the difference is in how they are associated with you and your aircraft.

Who needs public liability insurance in aviation?

Aviation insurance of all kinds is essential if you own your own aircraft. It’s not required by federal law in the United States, but making sure that you’re covered for any unforeseen eventuality can help to protect you and save you money. Plus, if you aren’t fully insured, there are countries abroad that may not allow you entry. Additionally, you may not be able to use FBOs.

International travel requires aviation insurance

Even though the United States doesn’t require aviation insurance by law, other countries might. If you want to use your private jet for international travel, then you’ll need to make sure that you’re insured up to the level required by the countries you want to visit. Full coverage of your aircraft, your crew, and your passengers should be enough to gain entry, but it’s still a good idea to check any entry requirements before making travel plans.

FBOs require aviation insurance

If you’re planning to only travel within the United States on your jet, then you’ll still need insurance, for your own financial protection and because most FBOs require insurance. If you want to take advantage of any of the services an FBO offers, from hangaring and maintenance to lounges and conference rooms, you’ll need to be fully covered.

What does public liability insurance cover?

Public liability insurance covers any people and property that might be harmed or damaged by your aircraft in the course of its operation. Other insurance policies cover your crew, your passengers, and their belongings. Public liability insurance covers any damage that might occur to the public or to third-party property.

How much aviation public liability insurance do you need?

Public liability insurance is on a per-incident basis. This means that you would purchase a policy that would cover up to a certain amount, such as $5,000,000, for example, for a single incident that involved your aircraft. The more insurance you purchase, the more the insurance company will cover in the event of an accident.

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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.

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