Pilot Insurance

Specialty insurance solutions tailored to your unique needs.
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Welcome to a world where your passion for flight soars to new heights, backed by the security of comprehensive pilot insurance.

At XINSURANCE, we understand that the skies are your second home, and your aircraft is your trusty companion. That’s why we’ve crafted a suite of insurance solutions designed exclusively for pilots like you.

The Importance of Pilot Insurance

Liability insurance for pilots is a crucial aspect of responsible aviation. Its significance lies in its role as a financial safety net that shields pilots and aircraft owners from potential legal and financial repercussions in case of accidents. This insurance is indispensable because aviation accidents can lead to significant bodily injury and property damage to third parties, resulting in immense financial liabilities. Without liability insurance, pilots would be personally liable for these costs, which could be financially devastating.

Moreover, liability insurance is often mandated by aviation authorities as a prerequisite for operating an aircraft. This requirement ensures that in the event of an accident, individuals affected by the incident receive fair compensation. It fosters accountability within the aviation industry and promotes safety standards by compelling pilots to maintain coverage. In essence, liability insurance is not only a protective measure for pilots but also a regulatory tool that upholds the welfare of both pilots and the broader public, ensuring that aviation remains a safe and responsible endeavor.

Who We Can Help With Pilot Insurance

  • Private Pilots
  • Recreational Pilots
  • Commercial Pilots
  • Student Pilots
  • Non-owned Aircraft Pilots
  • Test Pilots
  • Airline Transport Pilots (ATPs)
  • Flight Schools
  • Certified Flight Instructors (CFIs)
  • Aviation Maintenance Technicians (AMTs)
  • And More!
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Coverage Options For Pilot Insurance

Hull Coverage

Provides protection for the physical structure of an aircraft. It helps aircraft owners or operators cover the costs of repairing or replacing their aircraft in the event of damage or loss due to various risks such as accidents, theft, vandalism, or natural disasters.

Non-Owned Aircraft

Provides protection for individuals or organizations who use or rent aircraft they do not own. It helps protect you from legal and financial consequences if you are involved in accidents or incidents while operating non-owned aircraft, including third-party bodily injury or property damage.

Passenger Liability

Provides protection for aircraft owners and operators against potential liabilities resulting from injuries or harm to passengers on board their aircraft.

Search and Rescue Insurance

Can provide financial protection for the costs incurred during search and rescue operations in the event of an emergency or aircraft accident.

TRU Umbrella

Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

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FAQ About Pilot Liability Insurance

What Type of Aircraft Do You Cover?

We cover all types of aircraft whether used for personal or commercial use.

Examples of aircraft include:

  • Helicopter and rotorcraft
  • Airplanes
  • LSAs
  • Experimental aircraft
  • Homebuilts and kit-planes
  • Ultralights
  • Vintage and antique
  • And more!

Do You Provide Liability and Hull Coverage?

Yes, we can! We can provide coverage solutions for liability-only which means you would not have hull/physicals damage coverage for your aircraft. We can also provide hull coverage solutions with and without liability coverage.

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.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Pilot Liability Insurance

What Insurance Coverage Do I Need As A Pilot?

The type of insurance coverage needed for the security industry will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

Why Should I Have Pilot Liability Insurance?

According to the Aircraft Owners and Pilots Association, there are an average of 1,223 accidents each year in the United States. You need pilot liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having pilot liability insurance can protect you from significant financial loss to you or your business. In most places, pilot liability insurance is required.

Student Pilot Insurance Information

What is Student Pilot Insurance?

Student pilot insurance protects you from having to pay hefty fees if something happens to the airplane you’re flying, or something else goes wrong during a flight. Insurance can cover you and the plane you rent for your flying lessons. You can be held responsible for damage to the plane, but liability insurance may prevent you from having a large payout.

You can also avoid paying for bodily injury to another person while you fly or property damage sustained during a flight. You would never dream of getting in a car without insurance, and it’s just as important to have an insurance policy while flying an airplane.

Why it’s important to have Student Pilot Information

Student pilot insurance can safeguard you and your finances in the event of damage or injury. Reasons to get student pilot insurance include:

  1. Following requirements: Your fixed-base operator (FBO) or flight school may not let you fly unless you have insurance.
  2. Ensuring protection: The policy of your FBO or flight school often only covers them.
  3. Preparing for responsibility: Even when using a rental, the plane owner or their insurance company could hold you accountable for anything bad that happens during a flight.

What’s under Student Pilot Insurance

Student pilot insurance can protect you in various circumstances. For instance, if someone with a subrogation clause owns the plane you are flying, insurance can cover the costs of their loss of use. Your policy can also cover medical expenses if you get hurt. If you damage the hull while flying, insurance can pay for the damage to the aircraft. This does not cover full hull (inland marine coverage), it can only cover up to $10,000 (or more for an additional premium) for legal liability to non-owned aircraft covering the deductible. The policy covers 3rd party on the ground, no passengers.

Certified Flight Instructor Insurance Information

Understanding Negligence By A Flight Instructor

Liability for an accident involves two categories — intentional or negligent acts. An intentional act will leave a certified flight instructor (CFI) without insurance protection, but flight liability often comes from negligence.

What is negligence in the insurance world? Negligence is often defined as a lack of due care. As a flight instructor, it’s your responsibility to pay attention to safety details and make smart decisions. If you’re held liable for an accident, legal professionals will consider whether you properly executed your duties as a CFI.

As a certified flight professional, you’re held to a high standard. If a prosecutor finds you weren’t fulfilling your responsibilities as a flight instructor, you’ll have to pay out a large sum of money. In an instance where you’re flying with a student pilot, the responsibility may technically be theirs due to their lack of experience, but the event will still likely fall on your shoulders since you’re the instructor.

One of your many responsibilities as a CFI is making sure you have fulfilled all of your duties as a flight professional.

What Can You Do To Reduce Risk?

  • Release forms: You should always require your student pilots to sign release forms before starting instruction. These official documents express the involved risk with flight lessons, and when a student signs one, they acknowledge that you may not be liable for any harm that could occur. Waivers like these can be valuable, but they won’t protect you on their own.
  • Documentation: As a CFI, you have a series of steps you have to complete before taking flight, like checking various parts of the plane. Make a note of and date these steps, and you’ll have evidence of you following through with your duties. It’s also critical to follow all training instructions closely and record proof of taking these steps.
  • Attention to details: While documentation often involves an eye for detail, you should maintain that philosophy in everything you do. Exercise good judgment and ensure your students are making good decisions as well.

Possible Liabilities For Flight Instructors

Fact is, there are two main areas of exposure to pilots operating an aircraft — liability for physical injury or property damage, and physical damage to the aircraft. Think you’re covered because you’re working for a flight school? Think again. Although the school has insurance, when an accident happens, claimants are looking for multiple sources of compensation. That includes your personal estate, whether you’re alive or deceased. The aircraft owner can also come after you.

Common Scenarios:

  • Physical Injury: Student falls from the plane
  • Property Damage: Students hits or clips the hangar
  • Damage to the Aircraft: Student damages a door of an aircraft

What, then, do you do to protect yourself? The best protection against costly litigation is individual liability insurance from a trusted insurance company.

The Risks Aviation Pilots Face

Aviation pilots face a myriad of risks, including adverse weather conditions, mechanical failures, and navigational challenges, all of which can lead to accidents and potential loss of life. Human factors, such as pilot error, fatigue, and stress, pose significant risks, as does the potential for mid-air collisions and runway incidents at busy airports. Moreover, the aviation industry is subject to strict regulations and oversight, meaning non-compliance or safety breaches can result in legal and professional consequences. Additionally, global events like pandemics and geopolitical tensions can disrupt aviation operations, affecting pilot job security and industry stability. Collectively, these risks highlight the complex and demanding nature of aviation, requiring pilots to maintain rigorous training, situational awareness, and a commitment to safety throughout their careers.

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.
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Pilot Liability Insurance Solutions

Pilot liability insurance is available for many types of pilots across the aviation industry. Even if you’ve been declined, canceled, or non-renewed by an insurance company, we can help you!

The XINSURANCE quote process takes a hands-on and highly engaged approach to helping you find the best coverage for your needs. Submit a quote request today and get in contact with a member of our team to learn more.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service