Personal Insurance

Private Aviation Insurance

Private Aviation Insurance is designed to protect aircraft owners and pilots from the unique, high-severity risks that come with recreational and personal flight—where weather, liability, and repair costs can escalate quickly.

Whether you fly a light single-engine piston, a high-performance Cirrus, an experimental kit-built, or a personal turboprop, your coverage should reflect your aircraft, your pilot profile, and how you use the plane.

We work with specialized aviation underwriters who value proficiency and safety—helping you build a program that can evolve as you earn new ratings, upgrade equipment, or change where you fly.

Built Around Your Personal Hangar

Your aircraft is more than a machine—it’s a major investment and a gateway to freedom. A standard off-the-shelf policy can leave gaps on the ground and in the air. We help you tailor protection for a wide range of aircraft types:

  • Light Single-Engine Piston: Coverage designed for recreational workhorses like Cessna and Piper models.
  • High-Performance & Complex Aircraft: Enhanced options for faster aircraft and more advanced systems.
  • Experimental & Kit-Built: Solutions for amateur-built aircraft and the unique repair/valuation considerations.
  • Rotorcraft & Seaplanes: Programs built for the specialized operational risks of helicopters and water-based flight.
  • Personal Use Turboprops & Light Jets: Higher-limit protection scaled for the individual owner-pilot.

Precision Coverage Options for the Individual

Because every pilot’s journey is different, we help you evaluate the endorsements that matter most—so your coverage matches how you fly and where your aircraft is exposed.

  • Agreed Value Hull Coverage:
    Sets the insured value upfront so a total loss pays the documented amount without depreciation—especially important for high-value aircraft and upgraded avionics.
  • Combined Single Limit (CSL) Liability:
    Flexible liability protection for bodily injury and property damage involving passengers and third parties.
  • Medical Payments for Occupants:
    No-fault benefits for you and your passengers to help with immediate medical expenses after an incident.
  • Ground Risk (Motion & Non-Motion):
    Protection for common claims such as taxi incidents, hangar damage, maintenance exposures, and ramp weather events.
  • Passenger Liability Structure:
    Coverage can be designed to avoid restrictive per-seat limitations and provide consistent protection for family and friends.

The Value of Individual Professional Guidance

Aviation underwriting rewards the proactive pilot. We help you present your risk profile clearly and pursue preferred pricing by focusing on the factors underwriters care about most.

  • Recurrent Training Credits:
    Premium savings may be available for annual safety courses, instructor sign-offs, and simulator-based training.
  • Hangar & Storage Discounts:
    Secure storage and proven protection from weather can reduce loss frequency and improve underwriting outcomes.
  • Time-in-Type Incentives:
    Demonstrating experience in your current aircraft can unlock more favorable terms and limits.
  • Safety Technology Credits:
    Discounts may apply for modern safety equipment such as ADS-B Out, terrain awareness, and whole-airframe parachute systems.

Protect your passion and your legacy.

Don’t let an unforeseen landing or a storm on the ramp ground your dreams. Contact our office today for a personal aviation risk assessment and a custom quote designed for the way you fly.

Start my quote