Request your quote for customized helicopter insurance.



For businesses and individuals

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.

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.

As with any aircraft, helicopters do present some 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.

helicopter insurance
helicopter insurance


What Does Helicopter Insurance Cover?

XINSURANCE provides coverage solutions for personal, commercial, and non-owned aircraft. We best assist when someone needs a solution due to type of aircraft, type of operations, age of either, claims, location, etc. We can provide access to the following coverages:

  • Aircraft liability
  • General liability
  • Hull coverage (can be provided with and without liability)
  • Pilot liability including non-owned aircraft coverage
  • Liability only, essentially meaning no hull or physical damage

Insurance for private helicopter owners and businesses consists of liability protection against injuries and property damage sustained by third parties. In addition to paying medical bills and the cost of repairing and replacing damaged property, this insurance will cover settlements and judgments from lawsuits up to the limits of your policy, as well as your legal expenses.

Passenger liability is another essential helicopter pilot insurance coverage. Available on a per-seat basis, this protects any passengers riding in the aircraft if they are injured or killed in an accident. In the latter situation, the insurance provides compensation to the victim’s family members or survivors.

With liability coverage featuring limits of up to $10 million, and $20 million through our reinsurance partners, we can provide the level of protection you need. No risk is too big or too small for XINSURANCE.

In addition to liability protection, helicopter owners can purchase hull insurance. Similar to physical damage coverage that’s available for automobiles, hull insurance applies to damage sustained by the aircraft while it is in the air or on the ground. Examples of covered losses include theft, vandalism, and weather and accident damage.

Please note that we do not offer workers’ compensation coverage for employees.

Who Does Helicopter Insurance Cover?

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

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

Helicopter Rental Insurance and Aircraft Rental Insurance

We can provide insurance solutions for helicopter and aircraft rentals. Renters insurance would be for non-owned aircraft with customized coverage solutions.


At XINSURANCE, we offer liability insurance solutions when no one else will. We specialize in covering the most challenging risks — like helicopters and their owners. If your policy has been canceled or non-renewed, or if you’re having trouble finding an insurer in the standard market that will approve your application, we’re ready to help. If you already have a plan, we can also cover any gaps or exclusions that leave you vulnerable.

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.

Why Make XINSURANCE Your Helicopter Insurance Partner?

At XINSURANCE, we’ll work with you to develop and implement an all-in-one insurance plan that addresses your most significant risks. This practice also means that we can cover all your liability exposures under one policy. Not having to worry about gaps, exclusions or coverage limits that might leave you vulnerable gives you true peace of mind.

We have the flexibility to offer customized limits, coverages and premiums that meet your unique needs. With more than 40 years of combined industry experience, our underwriting team can come up with creative protection solutions that are beyond the scope of our competitors.

We also have a stellar track record of excellent claims service. We’re available around the clock to get the process started. Along with handling your new claim, we can also take over existing claims and facilitate a fast settlement.

Experience a Smooth, Seamless Customer Journey

We’ve designed our insurance application process to save time and eliminate headaches. You can fill out an application for coverage online and submit it to our underwriting team for a prompt review. We’ll then set up a convenient phone call to discuss the risk in more detail so we can send you a comprehensive quote. If you agree to the terms and pay the first premium, your policy will be issued promptly.

Please contact us to get your free helicopter insurance quote today. We’ll also be happy to review your current policies and make informed coverage recommendations.

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.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

Recreational Vehicle Insurance

Have more toys than just a helicopter? We can provide insurance solutions for other recreational vehicles such as snowmobiles, jet skis, ATVs, boats, and more!

Sign Up To Receive Emails

Sign up for our newsletter and stay up to date with the latest news about policy coverage in your industry. Plus get tips on how to protect yourself before bad things happen!

By submitting this form, you are consenting to receive marketing emails from: XINSURANCE. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact
Request a quote!
Contact us