Aviation Insurance for Aircraft Owners, Pilots, and Aviation Businesses.
Flying comes with a category of risk that standard insurance policies aren't designed to cover. Aviation insurance provides specialized coverage for private aircraft, pilots, and aviation-related businesses — generally designed to protect against the liability and physical damage risks unique to owning and operating an aircraft. Saint Moore Insurance Agency helps connect aircraft owners and aviation professionals with the right general aviation insurance for their situation.
What Is Aviation Insurance?
Aviation insurance is a specialized category of coverage for individuals and businesses involved in owning, operating, or working with aircraft. Because the risks associated with aviation — both in the air and on the ground — are distinct from those covered by standard auto, property, or general liability policies, aircraft owners and aviation businesses typically need purpose-built coverage designed for the aviation environment.
Aviation insurance generally includes two core components: hull coverage, which helps protect the physical aircraft from damage or loss due to accidents, weather, fire, or other covered events; and aviation liability coverage, which helps cover bodily injury and property damage claims arising from the operation of the aircraft. Pilot liability insurance may also apply when the aircraft is operated by a specific named pilot or set of pilots. Some policies also extend to ground risks — damage to the aircraft while it’s on the ground and not in flight.
Aviation insurance is commonly needed by private aircraft owners, student pilots and flight schools, charter operations, agricultural aviation businesses, and companies that use aircraft for business purposes such as aerial photography or surveying. Hangar insurance is a related product for those who store aircraft in a facility they own or lease. Coverage terms, limits, and underwriting criteria in aviation insurance can vary significantly based on the type of aircraft, pilot experience, and how the aircraft is used. Contact a Saint Moore Insurance Agency agent to discuss your aviation coverage needs and find the right policy.
