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The Insurance Facts about General Aviation Coverage

Aircraft Hull and Liability Insurance

Question: Who provides aviation insurance?
Answer: Carrier pools or individual insurance companies generally write this type of specialized insurance policies.

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The majority of policies of this nature are written for general aviation – a varied industry that incorporates all types of flying, save for commercial airlines and military maneuvers.

There are 4 primary classes of aircraft owners and operators. These include:

  • industry aid

  • business and pleasure

  • flying clubs

  • fixed-base operators

Aircraft hull and liability insurance is likened to the coverage reserved for autos/vehicles due to the fact that it incorporates physical damages, liability and medical payment protection.

Hull insurance is composed of physical damage coverage for the time when the aircraft is not in flight and physical damage coverage during flight times. The liability coverage is likened to auto liability, save for its separation of bodily injury excluding passenger bodily injury and passenger bodily injury.

Medical payment coverage is an optional coverage add-on in the event passenger liability coverage is provided.

For more about this specialized form of insurance, contact a qualified independent insurance agent.

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Summary: Aviation insurance coverage is a specialized policy that Prime Insurance provides with pride.




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