Ensure every landing is as secure as your coverage. Fly with confidence with XINSURANCE.
We provide customized liability coverage solutions that keep pace with the dynamic nature of helicopter flights, encompassing a wide range of in-air and on-ground risks.
The Importance of Helicopter Insurance
Helicopters are highly maneuverable aircraft that can take off and land just about anywhere. These versatile flying machines serve the transportation needs of everything from law enforcement agencies and medical facilities to search and rescue operations, media outlets, tour operators and more.
As with any aircraft, helicopters present liability risks. Owners that do not carry enough liability insurance could experience financial hardship if an incident or accident leads to injuries or property damage. A successful lawsuit against the owner could lead to a loss of personal or business assets. Due to the potential for a significant loss, many insurers do not offer helicopter insurance coverage, especially to owners with an extensive claims history. If you need insurance for your helicopters, XINSURANCE can provide an all-in-one solution that will give you peace of mind.
Who Does Helicopter Insurance Cover?
We can help businesses and individuals who own or operate a helicopter, including:
- Helicopter Pilots
- Helicopter Owners
- Flight Instructors
- Commercial Tour Operators
- Emergency Medical Services
- Law Enforcement
- News Media Outlets
- Flight Schools
- Aerial Photography and Filming
- And More!
Helicopter Insurance Coverage Options
Aircraft Liability
Provides coverage for injuries and property damage sustained by third parties. This includes Passenger Liability, which covers injuries to passengers carried on board the helicopter.
Hull Coverage
This coverage is for physical damage to the helicopter itself, whether that’s on the ground or in the air. It can cover the cost of repairs or total loss of the helicopter due to an accident or other covered perils, up to policy limits.
Pilot Liability
Provides financial protection for helicopter pilots against claims of bodily injury or property damage to third parties resulting from their piloting activities, including legal defense costs and potential settlement or judgment fees, up to policy limits.
Cargo Liability
If you’re transporting cargo, this insurance can protect you from liability should the cargo be damaged or cause damage.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
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Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Helicopter Insurance
What is helicopter insurance?
Helicopter insurance is a specialized type of aviation insurance designed to provide financial protection against losses arising from the ownership, operation, or use of helicopters, including physical damage to the aircraft and liability for bodily injuries or property damage.
Why do I need helicopter insurance, and is it required by law?
Helicopter insurance is essential for financial protection against the high cost of potential claims or damages associated with helicopter operations. While specific requirements may vary by region, liability insurance is generally required by law for aircraft operators, including helicopters.
Can I share helicopter insurance with another owner?
Yes, helicopter insurance policies can typically accommodate multiple owners, known as co-ownership or partnership arrangements, but all parties must be listed on the policy, and specific terms should be reviewed to ensure proper coverage.
Does XINSURANCE provide helicopter rental insurance and aircraft rental insurance?
Yes, we can provide insurance solutions for helicopter and aircraft rentals. Renters insurance would be for non-owned aircraft with customized coverage solutions.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What are some helicopter insurance coverage scenarios?
Your insurance should protect you in the following situations:
- While landing the aircraft, you accidentally collide with a nearby airplane hangar. Your liability coverage will pay to repair the damage to the building, while your hull insurance covers the damage to your helicopter.
- You make a crash landing in bad weather that results in the death of one passenger and severe injuries to two others. Your passenger liability coverage will pay for the medical expenses and protect you if the family of the deceased individual or one of the injured passengers decides to sue you for negligence.
- Vandals break into the hangar where you keep your helicopter and cause extensive damage to the aircraft. If you carry hull insurance, it should cover your loss up to the agreed value on the policy.
Our customized coverage provides liability insurance solutions in the following circumstances:
- Individual liability
- Products liability
- Maintenance A&P
- Hangar general liability
How much does helicopter insurance cost?
The cost of helicopter insurance can vary widely, depending on factors like the helicopter’s value, the pilot’s experience, intended use (e.g., commercial or recreational), the scope of coverage, claims history, and more.
It’s best to contact XINSURANCE and tell us more about your helicopter and its use so we can provide a more accurate, personalized quote.
Does Your Insurance Cover Recreational Vehicles?
XINSURANCE provides customized liability insurance solutions for recreational vehicles, including ATVs and UTVs, jet skis, snowmobiles, helicopters, boats, dirt bikes, and more. Get the coverage you need and enjoy the ride with true peace of mind.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
