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pilot insurance

Helicopter Pilot Insurance

For most pilots, there’s no better feeling than taking to the skies, soaring through the clouds, and viewing the world from above. Sharing your passion with others means you get to show others the unique freedom that flying a helicopter brings. But, whether you fly for fun, teach, or carry out an occupation that involves flying a helicopter, there is always a risk of an accident occurring that could result in 3rd-party person or property damage.

Most pilots assume they’re covered for liability through their home, business, or employer insurance. In reality, this coverage is either non-existent for flying helicopters or woefully inadequate.

In today’s litigious society, without the proper pilot insurance in place, you leave yourself wide open to a lawsuit.

Flying with Risk

As a pilot, it’s important to be aware of all the safety procedures you need to follow. Even if you follow everything to the letter, other circumstances can cause something to go wrong.

The statistics for helicopters show that the rate of fatalities has steadily risen over the past three years. Almost 39% of general aviation accidents are caused by violations and over 22% are caused by the pilot using the wrong technique.

These sobering statistics prove that ensuring you have full pilot insurance should be your utmost priority.

Protecting Yourself with Pilot Insurance

There are many measures you can take to protect yourself when flying a helicopter. Whether you own your helicopter or rent one, the more prudent you are before flying, the less you risk when you take off. Keep yourself safe by doing the following before you fly.

  • Ensure that you’re feeling well and are adequately hydrated.
  • Perform safety checks on all areas of the helicopter.
  • Ensure anyone you fly with is feeling calm and comfortable.
  • Don’t fly with anyone who is feeling panicked or unwell.
  • Ensure you have adequate fuel and the tank is secured.
  • Perform regular maintenance and service your helicopter often.

Finding the Right Pilot Insurance

The problem is, when you try to get pilot insurance, you’ll find that many insurers refuse you. Even if they do offer coverage, it’s often nowhere near adequate for your needs or only covers you during working hours.

XINSURANCE differs from the rest. We have over 30 years of experience providing liability coverage for occupations and hobbies that are difficult to insure.

We pride ourselves on our “all-in-one” approach with which we assess your operations and experience to determine what your fully customized and comprehensive pilot insurance will look like. Most importantly, we don’t leave you open to liability claims. Our coverage doesn’t leave gaps.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage and our pilot insurance covers the following individuals:

  • Pilots of all experience levels
  • Certified flight instructors
  • AMTs
  • DPEs
  • Owners
  • Fractional owners
  • Students
  • Contract pilots
  • Air marshals
  • Private contractors

Our customized coverage provides liability insurance in the following circumstances:

  • Individual liability
  • Products liability
  • Maintenance A&P
  • Hangar general liability

With XINSURANCE, you can take to the skies with confidence and the peace of mind that you’re covered for liability claims.

Receiving a Quote from XINSURANCE

We understand the importance of receiving a quote quickly, especially if you don’t yet have coverage at all. Our website contains comprehensive information on our unique “all-in-one” approach as well as going into further details about our pilot insurance and other available coverage in our extensive product line. It’s easy to click to receive a quote or email us at to obtain a quote.

If you would prefer to speak to someone directly, our friendly and experienced team is on standby to answer questions and discuss your requirements. Please don’t hesitate to call us at 877-585-2853.

Furthermore, if you’re close to any of the following areas, we welcome you to come into our offices for a chat about your needs:

  • 8722 S. Harrison Street, Sandy, UT 84070
  • 1 S. Dearborn Street #800, Chicago, IL 60603
  • 700 11th St. South, STE 201, Naples, FL 34102
  • 690 Stockton Drive, Suite 100, Exton, PA 19341

Stay Up to Date with XINSURANCE

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Finally, check out our events calendar and see if we’re attending any shows near you. We love to meet our customers face to face.