At XINSURANCE, we offer liability coverage 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.
What Does Helicopter Insurance Cover?
In short, we can provide the following coverages:
- Aircraft liability
- General liability
- Hull coverage
- Pilot liability including non-owned aircraft coverage
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.
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.
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 30 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, we’ll issue your new policy without delay.
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.