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.
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.
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 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.
Situations where pilot insurance should provide coverage include:
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.
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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