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Liability Coverage For Pilots and Aviation Junkies
Pilots get to experience freedom unknown to most people. But this enjoyable activity also comes with dangers. Therefore, all pilots need liability coverage to protect them from a “sue-happy” society. Whenever pilots offer services outside of their work hours, they expose themselves to risks that could result in debilitating lawsuits and leave their hard-earned assets vulnerable.
As an insurance agent or broker, you strive to find the most comprehensive protection for your clients. It’s crucial to find a partner that understands the nature of this perilous occupation and has the willingness and resources to cover the risk.
That’s where Prime Insurance Company can help. We want you to feel confident that we are as invested in preserving your clients’ lifestyle as you are. That’s why we provide customized policies for unique needs. Our pilot liability coverage delivers peace of mind and confidence that allows pilots to pursue their passion and protect their financial assets. Your clients have earned their lifestyle. Let us help them protect it.
Classes
- Private Pilots & Commercial Pilots
- Student Pilots
- CFIs
- AMTs
- Helicopters & Rotorcrafts
- LSAs
- Homebuilts & Kit-planes
- Ultralights
- And More!
Classes
- Aircraft Liability
- Commercial Liability
- Drones
- Excess Coverage Available
- Hangar Liability
- Hull
- In-Flight or Transport
- Non-Owned Aircraft
- Personal Liability
Questions to Consider:
Know the Facts
Private flight crashes were 12x higher than the average for other types of general aviation flying.
Human error underlies the majority of personal flight crashes.
What Does Pilot Liability Insurance Cover?
Pilot insurance does not provide coverage for owners of aircraft. Instead, it offers tailored liability protection for those who fly other people’s planes for business or pleasure. These plans pay for damages or injuries sustained by third parties resulting from the pilot’s negligence up to the policy’s designated limits. The insurance will cover lawsuit judgments and claim settlements and pay for the insured’s legal defense.
Some examples of pilot insurance coverages include:
- Flight instructor insurance: For pilots who instruct students, this insurance can cover liability exposure if the pupil causes injuries or property damage during a flying session.
- Training: Private pilot liability insurance can protect students receiving flight instruction if they’re responsible for any damages or injuries during training.
- Building hours: This coverage will provide essential liability protection for a commercial or private pilot attempting to increase flying time in a non-owned aircraft.
We Insure the Most Difficult Risks
Because of the inherent dangers in flying, finding pilot liability insurance in the standard market can be challenging. At Prime, we can often say yes when other providers say no. We specialize in insuring individuals and business owners who have been denied coverage or had their policies canceled or nonrenewed elsewhere. We can often cover those who have an extensive claims history that prevents them from getting essential insurance protection from other providers.
Excellent Service to Maximize the Policyholder and Producer Experience
Prime backs every pilot insurance plan with exceptional service. Our flexible underwriting makes it easier for producers to find a tailored all-in-one plan that significantly reduces their clients’ exposure by covering gaps and exclusions. We also deliver superior claim service. We provide access to a 24-hour reporting hotline. In addition to these convenient services, we offer risk management solutions that can reduce the likelihood of filing claims.
Why Else Should Producers Partner With Prime?
Agents and brokers experience numerous benefits when choosing us for their clients’ pilot insurance needs. We offer:
- No minimum production requirements: You’re free to do as much or as little business with Prime as you need to. You don’t have to write a specific number of policies or meet a minimum premium threshold to work with us.
- Profit-sharing: Through our unique profit-sharing program, producers and agents can earn more as they write more policies with us.
- Personal connection: Unlike many of our competitors, we view our producers as long-term business partners. Our goal is to establish lasting relationships with agents and brokers and the clients they serve.
- Access opportunities: We’re equipped to handle nonstandard insurance risks. In fact, they’re our specialty. By working with us, you can increase your portfolio without disrupting your current market and way of doing business.
A Trustworthy Company With a Stellar Reputation
Policyholders and producers want to deal with financially stable insurers that can stand behind their products. Prime is proud to have earned an “A” (Excellent) rating from AM Best, an insurance industry-focused credit rating agency with more than 120 years of experience. You can count on our financial stability and our ability to pay claims when the time comes.
We’ve Made It Easy to Apply for Private Liability Insurance
Our streamlined application process removes the hassles that can come with obtaining essential pilot insurance coverage. You and your clients can access the application online and fill in the required information. We’ll then contact you to set up a convenient time to discuss the risk by telephone. Once we have all the information we need, we’ll issue a quick quote for approval.