For the businesses that keep aviation moving
Aviation business insurance for the work behind every flight.
An FBO, maintenance shop, flight school or aircraft manager has different people, property, customer aircraft and contracts in play. Start with the work your team actually performs.
One label does not describe the whole business. Tell us what happens on your ramp, in your shop and after the aircraft leaves.
The starting point
What happens between arrival and departure matters.
Aircraft owners ask about the aircraft they fly. Aviation businesses also need to consider aircraft they handle, people on the property, work performed and agreements made with customers or airports.
We begin by mapping those activities. That gives the insurance discussion a clearer basis than a broad business category alone.
Review insurance for an owned aircraft ↗A USEFUL FIRST CONVERSATION
Whose aircraft is it?
Identify owned aircraft, customer aircraft and any aircraft moved or flown for the business.
What does your team do?
Describe the services performed, the equipment used and what happens after the job is done.
What have you agreed to?
Bring airport leases, hangar agreements, customer contracts and insurance certificate requests.
Choose your operation
Start with the business you run.
Each operation changes the questions worth asking. These are starting paths for a conversation, not a promise that one policy includes every exposure.
FBOs & hangar operators
Customer aircraft in the hangar or on the ramp, premises activity, fueling or towing, and obligations in an airport lease can all matter.
Explore FBO & hangarkeepers insurance ↗Maintenance, avionics & parts
Review aircraft in your care, the work being performed, products or completed work, and any test flight or contractor arrangement.
Explore MRO & aviation products insurance ↗Flight schools & instruction
Start with the training fleet, instructors, students, rental and solo use, and the actual conditions shown in the proposal.
Discuss a flight school ↗Dealers & aircraft managers
Clarify custody, demonstrations, managed aircraft, employees and the different entities named in client agreements.
Discuss a dealer or manager ↗Operating aircraft for compensation or hire brings a different set of questions. Tell us if that is part of the business so the operation can be reviewed on its own terms.
Beyond the business name
Four questions that make the review useful.
Policies may separate premises, customer aircraft, owned property, work after delivery and aircraft operations. A proposal only makes sense when those pieces match the activity.
Bring your operation to Sky ↗Where is the aircraft?
In the hangar, on the ramp, at another location or in flight? The place and stage of work can affect the policy questions.
Who has care or control?
Show when a customer hands over the aircraft, who may move it and who is responsible under the service agreement.
What work continues after delivery?
Maintenance, avionics, parts and fueling can raise different products or completed-operations questions.
What do the contracts require?
Review the named parties, limits and certificates requested by airports, landlords, customers or lenders against the proposed terms.
Before the operation changes
Opening a hangar or adding a service?
Share what is changing before relying on the old policy language. A new location, activity or customer agreement is a good reason to review the proposed terms.
Details from the business make the policy conversation more useful.
Prepare for a useful review
Bring an operations brief, not just last year’s policy.
A few concrete facts help frame the market conversation and reveal where an existing policy should be read more closely.
Locations and services
List every airport, hangar, ramp activity and service you perform.
Aircraft and people
Estimate customer-aircraft exposure, owned aircraft, employees and contractors.
Policies and agreements
Bring current declarations, material endorsements, leases and customer contract requirements.
Keep the description current
The business changes. The insurance discussion should keep up.
Do not assume a new exposure is included because the business name has stayed the same. Raise changes while there is time to read the terms.
A new location or larger hangar
Property, premises and the value of aircraft in one place may change together.
A new service or product line
Ask how the new work, equipment and activity after delivery are treated.
Different staff or contractors
Describe who performs the work, drives airside vehicles or flies customer aircraft.
A contract or renewal deadline
Check certificate wording, named parties and effective dates before the deadline arrives.
Talk with Sky Aviation Insurance
Tell us what your aviation business actually does.
Call to describe the operation, customer aircraft and next decision. If it is easier, send a few basics and the team can follow up.
813.753.8724 ↗A proposed quote is not bound coverage. Confirm the insurer's terms and effective date in writing with your insurance representative.
Questions worth asking
Read the arrangement behind the label.
Start with these distinctions, then read the actual proposed policy and agreements for your business.
Is hangarkeepers coverage the same as insuring the hangar?
They address different subjects. Building or property insurance concerns your premises and property. Hangarkeepers liability concerns a business's liability for damage to customer aircraft in its care, custody or control, subject to the policy wording. Ask how each is proposed for your operation.
Does a flight school need the same review as an FBO?
The operations differ. A school should describe its aircraft, instructors, students, rental or solo activity and any customer aircraft. An FBO may have different premises, fueling, towing and hangar exposures. The proposed terms should reflect the activity, rather than a broad industry label.
Can a new service wait until the next renewal?
Raise it before the service starts. A new activity, location or contract may change the risk the insurer agreed to consider. Your insurance representative can review the existing policy and seek any needed change in writing.
Further reading
Understand the questions behind the policy.
Industry guidance on aircraft, premises and maintenance agreements can help you prepare a better review.