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For professional pilots, student pilots, AMTs, & CFIs

Few things in life can match the exhilaration that comes from piloting an aircraft across the clear, blue skies. If you’re an experienced pilot, you know this feeling well. And if you’re fortunate enough to own an aircraft, you have the freedom to take to the air whenever your schedule allows.

While flying is enjoyable, it also presents some risks. If you fly commercially, your employer will likely provide liability insurance to protect its financial interests (and yours) if an accident or crash occurs. But what happens if you’re an independent contractor who works as a private flight instructor or simply uses the plane for pleasure?

If you fall into either of these categories, you probably know that the right aviation risk insurance plan can be hard to find — insurers in the standard market don’t want to assume the liability. If you’re having trouble obtaining coverage, XINSURANCE can provide the ideal solution.

pilot insurance

Protect Your Assets With Pilot Liability Coverage From XINSURANCE

At XINSURANCE, we understand the unique insurance needs and challenges that pilots face. We specialize in providing insurance solutions for these and other difficult risks. Even if you’ve been declined, canceled, or non-renewed by another provider, we’ll help you obtain coverage that protects your assets and gives you true peace of mind. With the ability to offer limits of up to $10 million — and $20 million through our reinsurance partners — no risk is too big or small for XINSURANCE.

What Does Pilot Insurance Cover?

Liability for pilots can provide coverage for you if you were to cause property damage or injure a third party when flying a plane. You can determine what type of policy you should carry depending on what kind of flying you do.

Pilot Instructors

If you instruct student pilots, you need pilot instructor insurance for checkrides, which establish a pilot’s ability to receive or upgrade their certification, and Federal Aviation Administration reviews that evaluate a pilot’s fitness to fly. If you don’t own the aircraft, the owner’s policy may not include you in any damages.

Student Pilots

Student pilots usually rent the planes they fly, and often the machines aren’t covered by the owner’s policy. By getting student pilot insurance, including aircraft renter or non-owner liability, you can be protected if you cause bodily harm or property damage while taking lessons.

Personal or Professional Pilots

Many general aviation pilots use non-owned aircraft to raise their hours. If you fly a rental, pilot liability insurance can provide the peace of mind you need, whether you are operating an airplane, helicopter, or drone. The insurance can cover commercial pilots as well as independent contractors who don’t work for one specific airline. It also encompasses third-party bodily injury or property damage.

Aircraft Schools

If you offer instruction at a flying school, you should protect yourself in case anything happens with your students or one of the planes they use. You can use commercial general liability, property, premises, commercial, and other insurance to safeguard you financially.

Please be advised that XINSURANCE does not offer workers’ compensation insurance, so you will need to pursue an external policy for this coverage.

Typical Scenarios Pilot Insurance May Cover

Situations where pilot insurance should provide coverage include:

  • While taxiing down a runway, a pilot clips the wing of another plane. Liability insurance may pay for the damage sustained by the other plane.
  • During a rough landing, a student pilot causes damage to a plane owned by the instructor. The student’s non-owner liability policy may compensate the owner when repairing the damage.
  • While on a weekend pleasure flight, you crash a plane that you own, killing your passenger. Your aircraft liability policy may compensate the victim’s family members if they file a successful lawsuit against you.

Why You Should Choose XINSURANCE As Your Pilot Insurance Partner

At XINSURANCE, we’re able to provide insurance solutions tailored to your unique coverage requirements. With our flexible underwriting process, we can deliver the right limits, deductibles, and premiums for every situation. We also support every policy we sell with top-notch customer service every step of the way.

Our all-in-one liability insurance coverage gives you true peace of mind. We’ll cover all your liability risks under one policy, eliminating worries about limitations, gaps, or exclusions that could increase your exposure.

If you need to file a claim, we’ll always be there to take your call, no matter when the event occurs. With our years of claims handling expertise, we’ll provide a fast outcome and a fair settlement. We can help with new and old claims alike.

Frequently Asked Questions About Pilot Coverage

Have questions about our coverage? We have answers.

What Type of Aircraft Do You Cover?

We cover all types of aircraft, including airplanes as well as others. Our insurance solutions for pilots can include:

  • Helicopter and rotorcraft
  • LSAs
  • Experimental
  • Homebuilts and kit-planes
  • Ultralights
  • Vintage and antique

What’s the Cost of Pilot Insurance?

Pilot insurance is reasonably priced, offering you excellent reassurance for a minimal cost.  The actual dollar figure depends on what type of coverage you need as well as other factors, including your experience, age, location, and additional variables. To get an accurate estimate on what your pilot insurance would cost,  you can reach out to XINSURANCE to request a personal quote.

Our Streamlined Application Process For Pilot Insurance

You could have a new policy within 24 hours or less. It only takes a few minutes to apply for and receive aviation risk insurance from XINSURANCE online when you follow our five-step process:

  1. Fill out and send in our online application form
  2. Our team of in-house underwriters will reach out to set up a phone call where you can discuss your application in greater detail
  3. We send you a no-obligation quote to look over
  4. You accept and pay the premium
  5. We help issue your insurance policy

Our underwriting team, which has more than 40 years of experience, can identify exclusions or gaps in your policy. Let us determine customized limits, coverage, deductibles, and premiums to create the perfect solution for you. Contact us today to request a quote or ask us to review your current coverage.

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.




Private flight crashes were 12x higher than the average for other types of general aviation flying.

Human error underlies the majority of personal flight crashes.

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