For maintenance, avionics and parts operations
MRO & aviation products insurance for work that follows the aircraft.
What happens in your shop matters. So does what happens after the aircraft or component goes back into service. Start with the work you perform, the aircraft in your care and the products you supply.
From a single work order to an ongoing program, the actual scope of work comes first.
Begin at the handoff
The aircraft may leave the shop. The insurance question may not.
Damage while an aircraft is in a facility and a later claim involving completed work or a supplied part are different questions. A useful review follows the job from intake through return to service.
While the aircraft is with you
Ask how legal liability for customer aircraft in your care, custody or control is addressed. Where is it parked, who moves it and what is the highest value you may hold?
After the work is released
Ask how the proposed terms address claims arising from completed maintenance, installed components or products supplied. The work performed and the policy wording control the answer.
This page is for maintenance and products operations. For storage, fueling and broader ramp services, see FBO and hangarkeepers insurance.
Explore FBO & hangarkeepers insurance ↗
Describe what your people actually do, where they do it and when the aircraft is returned.
Describe the work
A maintenance label cannot explain an operation.
An airframe repair station, an avionics installer, a mobile mechanic and a parts seller may present different questions to an insurer. Give the reviewer a practical account of the work, rather than assuming one business category says enough.
Maintenance and repair
Inspections, repairs, engine work, modifications and the aircraft types involved.
Avionics and installation
Equipment installed, testing, customer handoff and any work done away from the shop.
Parts and components
Whether you manufacture, overhaul, distribute, sell or install the item.
Select a starting point
What does your team do most often?
Choose an operation to see the first questions we would want on the table. These prompts are a starting brief, not a policy recommendation.
Where does the aircraft enter your responsibility?
Identify your facility, approved work scope, aircraft types, highest customer-aircraft value and the tasks your technicians perform. Include work completed by subcontractors and any movement or test activity.
A repair station's FAA rating and approved tasks can vary. The insurance review should follow the operation described in the application and the actual proposed form.
Keep the questions separate
Review the work, the place and the aircraft.
These are subjects to discuss with Sky and the insurer. They are not a statement that any one policy automatically includes them.
Customer aircraft in your care
Ask about custody, storage, movement and damage while the aircraft is at the shop or another disclosed location.
Premises, staff and business property
Identify your location, tools, equipment, visitors and workforce so the appropriate property, liability and employment-related questions can be reviewed.
Products and completed operations
Separate a component you sell or supply from work your team performs, then ask how claims arising after delivery or return to service would be treated.
Before the operation changes
Adding a capability, aircraft type or shop location?
Talk through the change while there is time to review the application, contracts and proposed policy terms. A new service can change the questions an insurer asks.
Prepare a useful brief
Bring more than a certificate.
A declaration page shows what was purchased. The work scope, aircraft values and customer agreements show what needs to be discussed now.
Start with what changed.
New work, new aircraft, a new location or a changed contract can be more useful to review than an old coverage label alone.
Services and approvals
What you inspect, repair, overhaul, install, sell or subcontract; relevant repair-station ratings, if applicable.
Aircraft and locations
Types serviced, highest single-aircraft value, peak combined value, shop locations and mobile work.
Parts and completed work
Part sources, products sold, work released and the records that document it.
Agreements and timing
Customer and subcontractor agreements, lease requirements, existing policies and renewal dates.
Related paths
One operation may involve another aviation conversation.
Use the page that matches the question in front of you. The details still belong in one coordinated discussion about the actual business.
FBO & hangarkeepers
For customer aircraft storage, ramp movement, fueling and other airport services alongside the shop.
Explore this path ↗Aviation business overview
For a broader look at the different ground and aviation business paths Sky discusses.
Explore this path ↗Talk with Sky Aviation Insurance
Tell us what your operation actually does.
Call about your shop, mobile work, avionics installation or parts activity. Or send the basics for a follow-up conversation.
813.753.8724 ↗A request or discussion does not bind coverage. Confirm terms and effective dates in writing with your insurance representative.
Questions worth asking
Read the terms behind the label.
These answers help frame a review. The insurer's proposal, policy and endorsements determine what actually applies.
Is hangarkeepers liability the same as products and completed operations?
No. Hangarkeepers liability generally concerns legal liability for damage to customer aircraft while in your care, custody or control. Products and completed operations concerns claims tied to supplied products or completed work after delivery or release. Ask how each is addressed in the proposed form.
Should mobile work and subcontractors be disclosed?
Describe off-site work, the locations involved, who performs each task and the agreements that govern it. Ask your insurance representative to compare that description with the insurer's application and policy wording.
Does an FAA repair-station certificate answer the insurance question?
No. A certificate describes an approved repair-station scope; it does not by itself establish insurance terms. Explain the work actually performed and review the proposed policy, limits, exclusions and contracts separately.
Further reading
Useful source material for the review.
Primary insurer and FAA materials behind the distinctions on this page.
USAIG / AIRPORT LIABILITY