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Aviation Insurance Coverage for Commercial and Private Operations

Do your clients fly airplanes for business or pleasure? This activity comes with some inherent risks, which means that helping them obtain sufficient liability insurance can be challenging. At Prime Insurance Company, we specialize in insuring these types of activities that are considered high-risk. If your client has been nonrenewed, canceled, or declined coverage elsewhere, we can step in and provide coverage. We can even offer aircraft insurance to individuals or businesses with a less-than-stellar claims history.

We Provide Custom Aviation Insurance Solutions

We offer coverage for commercial and private operations and customize the plan for the very specific needs of the insureds. Property coverage for aircraft and passenger(s) if grounded, grounded not in motion, and in-flight or transport. Liability, hull, and physical property coverage have been provided for many types of aircraft including experimental and home-built aircraft. We have customized coverage for Aviation Associations, Clubs, Flight Schools, and others who are considered a hard-to-place risk.

In addition, we have provided coverage for hangar liability, events, and demonstrations such as: Experimental Enthusiasts Events, Group or Club Member Fly-Ins, Public Air Shows, and Skills Competitions.


Available personal and commercial aircraft insurance coverages include:

  • Commercial Liability: These general liability plans protect business owners from injuries or damages sustained by third parties due to the policyholder’s negligence.
  • Customized Specialty Liability Coverage: This insurance lists and covers the specific risks that impact the policyholder.
  • Drones: With the increasing use of drones for commercial use, this coverage is essential for protecting against mishaps during their operation.
  • Excess Coverage Available: We can provide liability coverage over and above that of a base policy.
  • Hangar Liability: Also known as hangar keepers liability, this coverage protects hangar and airfield owners and operators in the event of damage to the aircraft or property while the plane is in the policyholder’s custody.
  • Hull: This insurance does not provide liability protection. Instead, it covers physical damage to parts and components affixed to the aircraft.
  • In-Flight or Transport: This insurance pays for damages that occur while the aircraft is in motion.
  • Non-Owned Aircraft: These plans provide liability and hull insurance coverage when the policyholder is renting an aircraft.
  • Personal Liability: This type of insurance safeguards the policyholder’s personal assets if a lawsuit or claim settlement goes against them.

Why Should You Partner With Prime?

Prime enables you to take on clients and pursue opportunities that wouldn’t be available to you otherwise. You’ll be able to expand your portfolio and grow your business. You’ll also benefit from our hands-on approach to finding outside-the-box solutions for your clients and meeting their unique liability insurance needs.

A Personal Connection That Sets Us Apart

We take a team approach to commercial aircraft insurance. We believe in forming lasting relationships with the producers and policyholders we serve by working together to find the most effective solutions. Whether you’re looking for the best coverage for your clients, navigating the claims process, or mounting an aggressive lawsuit defense, you’ll have a partner you can always count on.

Expert Risk Mitigation Services

As a producer, you can deliver a valuable service to your clients by helping them find ways to reduce their liability exposure. When you partner with Prime, you’ll give your aviation insurance policyholders access to our team of risk mitigation professionals.

We’ll perform a comprehensive evaluation of their practices and procedures and make recommendations that can lower their likelihood of filing a claim. Your clients will view you as a valued consultant — not just another salesperson.

Exceptional Claims Results

Prime has an outstanding track record for achieving the best outcomes for clients during the claims process. Our in-house claims team consists of attorneys and other professionals who have decades of litigation expertise. We also fight back against the frivolous lawsuits that are now rampant in our industry.

We Can Assist With Premium Financing

Higher levels of exposure and the potential for costly claims can raise the cost of excess and surplus lines coverage such as aviation insurance. Prime can help make the coverage more affordable for your clients by offering them the opportunity to finance their premiums through Greenlight Premium Financing Company. Benefits of working with Greenlight include the ability to make an insured payment via an agency trust account and access to a user-friendly portal for obtaining new premium quotations.

A Financially Stable Insurance Partner You Can Trust

Insurance agents and brokers work hard to establish a reputation for being reliable and trustworthy. Prime has earned an “A” (Excellent) rating from AM Best, a leading credit rating agency for the insurance and financial services industry for more than 120 years. You can recommend us to your clients with complete confidence and give them true peace of mind.

Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc. The most current Financial Stability Rating® must be verified by visiting www.demotech.com. We have the resources to handle claims and meet all our other financial obligations.

Simplified Application Process

You and your clients will appreciate our streamlined application and quoting process. Start by filling out and submitting the application and other requested information. We’ll then set up a convenient time with you or the prospective policyholder to discuss the risk in more detail. We’ll review all the information and then provide a quote as quickly as possible.

What to Submit

Take the next steps in obtaining aircraft insurance for your clients by completing the following steps:

  • Complete the General Application. Be sure to include the requested limits of liability
  • A schedule of aircraft, year, make, model, wing number, value
  • FAA, Military, and/or other Pilot’s Certificates held

Contact us to learn more about the benefits of aircraft insurance from Prime.

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