For Students and Professionals. Start your quote for customized pilot insurance.



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, pilot is standing with his arms crossed

Protect Your Assets With 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 insurance covers you if you cause property damage or injuries to a third party. Your situation will dictate the specific type of liability policy you should carry:

  • Pilot instructor insurance: This insurance covers you if you instruct student pilots, as well as if you conduct FAA-mandated flight reviews or checkrides. You may need this coverage even if you don’t own the plane in which you’re providing the instruction, as the owner’s policy might not extend to your services.
  • Student pilot insurance: If you’re training to become a pilot, you’re probably receiving instruction in a plane you don’t own. Non-owner or aircraft renter’s liability insurance will protect you if you cause bodily injury or property damage during your lessons.
  • Personal or Professional Pilots: If your flying to build time in non-owned aircraft, a pilot liability insurance plan can cover you. This also applies to commercial pilots and independent contractors. The policy covers 3rd party bodily injury and 3rd party property damage caused by aircraft in case the pilot is named personally in a lawsuit.
  • Aircraft School: We can also help aircraft schools! Coverages can include commercial general liability, premises, property, commercial auto (available in most states), and more.

Pilot liability insurance can also cover non-owned aircraft coverage which is $10,000 towards a non-owned aircraft deductible in the event of an accident.

It’s important to know that Pilot Insurance DOES NOT cover the actual aircraft coverage for the owner. If you store your plane in a hangar, you should also carry general liability insurance to provide coverage for third-party injury or property damage while it’s there.

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

Typical Pilot Insurance Applications

Situations where pilot insurance should provide coverage include:

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

Why Choose Us as Your Pilot Insurance Provider?

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.

You’ll Appreciate Our Streamlined Application Process

Applying for aviation risk insurance from XINSURANCE is fast and easy. To start the process, fill out and submit our online application form. Our team of in-house underwriters will review the information and set up a phone call with you to discuss your app in more detail. We’ll then issue a no-obligation quote for your consideration. If you accept the terms and pay the first premium, your pilot insurance policy will be issued promptly. The entire procedure can take 24 hours or less.

Contact us today to get your free liability insurance quote. We can also review your current coverage to look for gaps or exclusions.

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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