FAQ

Q: Why do I need Hangarkeepers Insurance?

A: Hangarkeepers insurance covers damage to aircraft that is in your care, custody and control. It applies to storage, maintenance, repair, refueling and any other situation in which an aircraft is on your ramp.

Q: What is aviation general liability insurance?

A: Aviation general liability insurance is a coverage for Fixed Based Operators (FBO) and airport operators. It includes important coverages like premises liability, hangarkeepers liability, products and completed operations liability, on-premises auto liability, personal and advertising injury liability, and even host-liquor liability.

Q: Does Avsurance write anything other than aviation insurance?

A: So that we can focus on the complexities of the aviation industry, Avsurance only handles aviation insurance. Our aviation risk management services include but are not limited to coverages for refueling equipment and locations, aircraft and helicopters, airports and FBOs, and all other aviation-related industry operations.

Q: What kinds of coverages are available for my Crew cars?

A: Business Auto Coverage is for your commercial automobiles such as Crew cars and any other automobiles used for your aviation-related business.

Q: What kind of coverage do I get with Environmental Liability?

A: Environmental Liability offers coverage for bodily injury and property damage resulting from releases from scheduled storage tank systems, insured’s cost of corrective action that an insured is legally obligated to pay as a result of a release, and defense coverage for such claims.

Q: What is Part 135 coverage?

A: Part 135 coverage is for hull and liability for piston and turbine aircraft used in charter operations.

Q: What is Part 91 coverage?

A: Part 91 coverage is for hull and liability for piston and turbine aircraft used for business purposes, without a charge to others.

Q: Do you offer coverage for Scheduled Carriers?

A: Yes, Avsurance offers coverage for 121 and 135 Air Taxi operations as well as specialty coverage for commuters and ad hoc charter operations.

Q: What kinds of coverages does a Flight School usually require?

A: A flight school needs risk coverage for hull and liability, and general liability instruction and rental operations.

Q: Does Avsurance arrange coverage for Freight and Cargo Operations?

A: Yes, Avsurance arranges coverage for hull and liability, cargo liability, general liability and workers compensation.

Q: What kind of aviation insurance coverage do I need from Avsurance for a Fixed Base Operation (FBO)?

A: At the very least, you’ll want Avsurance to arrange comprehensive airport liability coverage, which generally includes such coverage as hangarkeepers, workers compensation, business automobile and fuel storage liabilities.

Q: Can I finance my aviation insurance costs?

A: Yes. Avsurance offers extensive financing options through trusted banking institutions.

Q: Who handles my claims?

A: Insurance company claim representatives do the handling of your claims. The certified aviation insurance agents at Avsurance act as intermediaries between you and the underwriters in managing your policy. Because each and every one of our staff are certified agents, you can be assured that the person you speak with will thoroughly understand aviation insurance.

Q: What is the difference between a policy for a commercial operator and that for a private or corporately owned aircraft operated for business use?

A: A commercial policy is rated on a different basis by the underwriters than for private or corporate policies. Any commercial operations (Part 91) require a policy that states that the aircraft is being used for commercial purposes. Charter businesses require unique additional coverage.

Q: Can Avsurance insure my VLJ?

A: Yes. We can provide insurance for your Very Light Jet (VLJ). In fact, Avsurance is an industry leader in the coverage of the VLJ. We’ve already worked with all of the VLJ manufacturers to offer the best aviation insurance to our clients.

Q: Do you insure owner/non-pro flown aircraft?

A: Avsurance specializes in this field of aviation insurance.

Q: Does Avsurance provide insurance to flight schools?

A: Yes. Although there are a limited number of markets, Avsurance has access to all of them so that we can provide the best insurance coverage to flight schools.

Q: Who should I call for a quote?

A: Call the licensed agents at Avsurance toll-free at 1(800) 472-7090. You’ll reach a person who will help you find an answer to your question or a solution to your problem.

Q: How long does it take to get a quote for aviation insurance?

A: Depending on the type and complexity of aviation risk management you are seeking, your quote can be available in as little a week.

Q: Can I get quotes through different aviation insurance companies and agents?

A: No. The insurance underwriters will only quote for your needs to one agent. For that reason Avsurance suggests that you select your agent first and let them shop your risk for you.

Q: Do you have experience insuring Part 121 or Part 135 operations?

A: Absolutely. Avsurance agents are proven experts at handling Part 121 and Part 135 Operations Insurance. In fact, we currently write several major cargo airlines and some of the largest charter companies in the United States.

Q: What is workers compensation coverage?

A: This is coverage for workers compensation benefits owed by the insured to its employees in accordance with applicable state workers compensation law. Avsurance offers multi-state coverage for operations outside the domicile. It excludes these monopolistic states: NV, ND, OH, WA, WY and WV.