Aircraft dealer & management insurance
Insurance for aircraft in motion and transition.
A dealer's aircraft can move from inventory to a demonstration flight to delivery. A managed aircraft brings an owner, a manager and crew into one operating picture. We start with who owns it, who flies it and what changes next.
A sale or management handoff deserves a review before the next flight.
Two distinct operations
Which aircraft relationship are we reviewing?
A sales business and an aircraft manager can touch the same airplane at different times. The right starting point is the work your company actually performs, plus the owner and operator's responsibilities.
DEALER OR BROKER
The aircraft is in a sale process.
Tell us whether your firm owns the aircraft, holds it on consignment, arranges flights, stores it or coordinates delivery. Inventory and permitted flights need to be described together.
Explore these questions ↗MANAGEMENT FIRM
The aircraft is in an operating relationship.
Tell us who owns it, who directs flights, employs or contracts crew, schedules maintenance and signs the agreement. Any charter activity needs its own accurate description.
Explore these questions ↗Sky's exact placement scope and insurer terms depend on the operation and must be confirmed in a conversation.
Inventory, flight permissions and the handoff to a buyer belong in the same review.
For dealers & brokers
Inventory does not sit still.
The aircraft may be owned, consigned, hangared, inspected, shown, flown and delivered by different parties. We would map those steps before comparing a proposal with the business's real activity.
Aircraft and financial interests
List the aircraft, values, title or consignment status, lienholders and where each airframe is kept.
Demonstration and repositioning
Describe test, sales-demo, ferry and delivery flights, including pilots and passengers. Check the insurer's permitted uses.
From seller to buyer
Confirm who is responsible, and when the buyer's policy should begin, before the delivery flight or transfer.
For management companies
One aircraft. Several roles to name clearly.
A management agreement can assign scheduling, crew and maintenance work without answering every insurance question. The owner, manager and operator's actual duties need to line up with the proposed terms.
Discuss the arrangement ↗Owner and financial interest
Who holds title, which lender or lessor has an interest, and what the owner expects the manager to do?
Manager and crew
Who hires or contracts pilots, approves them, schedules flights and coordinates maintenance?
Use and operating authority
Which flights are owner use, leasing or charter? Describe who controls each flight and seek qualified regulatory advice when the arrangement is uncertain.
Before the next flight
Tell us what changes at the handoff.
A sale, a new management agreement or a shift in permitted use is a good time to review the aircraft and the people connected to it.
The policy handoff
Ask what happens between one role and the next.
A binder, certificate or declaration is useful only when it reflects the actual parties and flights. The review should locate the date and flight when the responsibility changes.
A practical question
Who is responsible for a demonstration, delivery or first managed flight, and what does each policy say on that day?
Names and agreements
Compare the legal owner, dealer or manager, crew arrangements, lender requests and any contractual insurance language.
Schedule and value
Check the aircraft list, valuation, custody, storage, and any limits that change as inventory or ownership changes.
Pilot and use conditions
Confirm who may fly each aircraft and whether sales demonstrations, delivery, owner travel or commercial use are contemplated.
Effective dates
Put the intended handoff and next flight on a calendar. Have the insurer or authorized representative confirm terms in writing.
Prepare the conversation
A short brief is enough to begin.
You do not need every document before you call. These details tell us which questions to ask and what to present accurately to an insurer.
DEALER
Show how aircraft enter, move and leave inventory.
Aircraft and values
Owned, consigned and incoming inventory; location and financial interests.
Pilots and flights
Demonstrations, test flights, ferry or delivery activity and who is aboard.
Transaction timing
Expected acquisition, closing, delivery and renewal dates.
MANAGER
Show how owner and manager duties meet.
Agreement and entities
Owner, manager, operator, lender and the services agreed.
Crew and authority
Pilot arrangements, dispatch decisions and any commercial operation.
Current terms
Existing declarations, endorsements, requests and the next planned change.
Start here
Let's map the aircraft and the handoff.
Call if a transaction or flight is coming up. Or send the short outline and tell us whether the aircraft is in sales inventory, a management program or between the two.
813.753.8724 ↗A request or discussion does not bind coverage. Confirm terms and effective dates in writing with your insurance representative.
Common questions
Questions to settle before the next change.
These answers are starting points. The actual operation, contracts and proposed insurer wording decide what needs review.
Does a dealer's policy cover every test or demonstration flight?
Do not assume that it does. Describe who flies, the purpose of the flight, the aircraft involved and whether a prospect is aboard. Review pilot conditions, permitted uses, physical damage, liability and any specific sales-demonstration wording in the proposed policy.
Who should be insured when an aircraft is managed for an owner?
Start with the legal owner, operating entity, manager and any lender or lessor. The management agreement and actual policy should identify the parties and activities for review. Additional-insured status, liability limits and the meaning of an insured depend on the insurer's terms.
Does a management agreement change who has operational control?
The agreement is only one part of the picture. The parties should describe who directs each flight, provides crew and holds any required operating authority. An aviation attorney or qualified regulatory advisor can assess the arrangement; the insurance review should follow the actual operation.
What changes when an aircraft is sold or moved onto a management program?
Tell your insurance representative before the handoff. Confirm the aircraft schedule, insured value, ownership and financial interests, effective date, pilots, permitted uses and any delivery or repositioning flight. Do not rely on an assumed automatic transfer of coverage.
Related coverage paths
Follow the part of the business that needs attention.
A firm may sell, manage and maintain aircraft. Describe each activity; the related pages help separate the questions.
MRO & aviation products
For maintenance, parts or avionics activity alongside aircraft sales.
Explore this path ↗Further reading
References behind the questions.
Insurer and FAA materials explain why sales flights, management relationships and operational control merit an accurate description.