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Helicopters Insurance: Protection that Covers the Risks

News Flash: Pilot Timothy McCormack crashed the helicopter he was operating  onto a NY high-rise building roof. Tragically, McCormack was killed in the fiery collision and the helicopter was destroyed.

As Uber and other industries look to helicopters as a new source of income, insurance companies continue to be wary about the involved risks. The fact that helicopters are more flimsy and easily breakable are reason enough for coverage to be limited to a few carriers.


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Correctly categorized as ‘Special Risk Aviation Insurance’, helicopter coverage is a class of business that is conventionally written by Lloyd’s of London Insurance Company.  Nonetheless, several American insurance markets do cover specific aspects of helicopter insurance.

This includes:

  • Physical damage insurance

  • Liability insurance

  • Passenger coverage insurance

Insurance carriers demand that pilots be accomplished and expert at flying helicopters. Pilots are also required to be keenly mindful and responsive to wind conditions.

Hull and Liability Coverage for Commercial Helicopters

Some domestic insurance companies offer restricted helicopter hull and liability coverage for differing classes of business usage.

These include:

  • Forest fire patrols

  • Traffic patrols

  • Air ambulance services

  • Industrial assistance routines

For more information about helicopter insurance and how it applies to your commercial helicopter use, speak to the experienced professionals at Prime Insurance Agency.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Prime Insurance highlights hull and liability insurance for a helicopter in this quick synopsis. 


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