Aviation Insurance Tailored to Your Aircraft and Operation
Your aircraft is a major investment and a critical part of how you live and work. Aviation involves unique risks, from hangar damage and weather to in-flight incidents and liability concerns. You need coverage that is designed around aviation, not a generic policy that leaves gaps.
Ingram Insurance Group provides aviation insurance solutions as part of our broader business and industry-specific insurance services. We help aircraft owners, operators, and aviation-related businesses in Ohio, Kentucky, West Virginia, Tennessee, Pennsylvania, Michigan, and Florida protect their aircraft, their people, and their operations with coverage that fits how they actually fly and work.
Comprehensive Protection for Aircraft Owners and Aviation Businesses
Aviation risk is different from other types of coverage. You may have passengers on board, aircraft on the ramp, crew traveling between locations, and business assets in multiple states. Our role is to help you identify where your exposure starts and ends, then match you with coverage that lines up with that risk.
Whether you own a single aircraft or manage a larger aviation-related business, we can help you explore insurance options that address both physical damage to your aircraft and liability to others. Because we are an independent agency, we are able to look at solutions from multiple insurance companies and help you compare what they offer.
With aviation insurance through Ingram Insurance Group, you can work toward:
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Coverage for physical damage to your aircraft, subject to policy terms
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Liability protection for bodily injury or property damage you may be legally responsible for
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Options that reflect how and where your aircraft is operated
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Alignment of aviation coverage with your broader business insurance program
We can also review how your aviation coverage interacts with any existing commercial or personal policies, so you are not relying on assumptions about what is covered and what is not.
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General Liability
Risk Factor
Flying an aircraft comes with some inherent risks, not only to the person operating an aircraft and its passengers but also to the general public. If there is a mishap that involves damage to property or the general public you, as the pilot in command, are liable to the public.
Solution
Public liability insurance, often referred to as third-party liability, covers aircraft owners for damage that their aircraft does to people to people and property, not including the passengers on the aircraft.
Passenger Liability Insurance
Risk Factor
Whether you are in the business of transporting people or you simply like to take people for rides to share the joy of flight with them, as the pilot in command, you are taking on the responsibility for their safety. Hold harmless and liability waivers are of little protection, if any, for pilots.
Solution
Passenger liability insurance protects passengers riding in the accident aircraft who are injured or killed. Coverage is often sold on a per-seat basis, with a specified limit for each passenger seat.
Non-Owned Aircraft Insurance
Risk Factor
Borrowing or renting an aircraft? Taking flying lessons? Chances are you still have a risk exposure that may not be covered by the aircraft owner’s insurance.
Solution
Non-owned aircraft insurance protects you from legal obligations that may arise out of operating an aircraft you do not own. In addition, it provides for extra expenses including search and rescue, emergency flight coordination, legal expenses, and more.
Hull Insurance
Risk Factor
Aircraft are very expensive, as are repairs to them. Strict regulations require planes to be in a certain condition in order to fly. One brush against a hangar or other damages to your aircraft can lead to some very large repair bills.
Solution
Hull insurance protects your aircraft in case of damage. There are different types, such as in motion and not in motion, as well as full flight protection. Premiums and deductibles on hull insurance can vary based on the value of the aircraft.
Hangar Keepers
Risk Factor
Hangar owners face unique risks for property in their care, custody or control, as well as the hangar itself.
Solution
Hangar keepers insurance provides protection to the owner of the hangar for the building and the contents of others inside the hangar. It can also provide coverage for tools and equipment. Hangar keepers can be a standalone coverage or part of an airport’s insurance package.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place. Working with tools, machinery, and aircraft can be an even riskier occupation than most.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it. Placing workers’ compensation for an aviation operation can be particularly difficult, so having an insurance advisor who understands the industry is crucial.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, throughout employment, and during a reduction in workforce. Claims can also be made by clients or potential clients and can arise in any size operation. You can do everything right and still be sued.
Solution
Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third-party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.
Cyber Liability
Risk Factor
The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to all businesses. But with these benefits also come challenges, including protection of privacy, data, and financial information of your employees and students.
Solution
Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology.
Umbrella / Excess Liability
Risk Factor
What happens when your operation faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.
How Our Aviation Insurance Process Works
Aviation comes with many variables, from aircraft type and use to pilot experience and storage locations. Our process is designed to be straightforward while still giving those details the attention they require.
We start by learning about your aircraft and your operation. This can include questions about how often you fly, typical routes, storage arrangements, pilot qualifications, and how your aircraft fits into your personal or business activities. If your aviation exposure is part of a larger business, we also look at your other policies so that your aviation coverage works as part of your overall insurance strategy.
Once we understand your needs, we explore aviation insurance options from the carriers we work with and outline the coverage details for you. We review limits, deductibles, exclusions, and any conditions that apply, so you can make an informed decision before you move forward. As your operation changes, we are available to help you review and adjust coverage, whether you add aircraft, expand your routes, or update your business structure.
Why Choose Ingram Insurance Group for Aviation Coverage
Aviation is just one part of your overall risk picture. Ingram Insurance Group brings experience in both personal and commercial insurance, with a particular focus on investment properties and business coverage across multiple states. That broader perspective helps us look at your aviation needs in context, not as a stand-alone policy disconnected from the rest of your insurance.
Because we are an independent agency, our priority is helping you find coverage that fits your situation, rather than steering you toward a single carrier solution. We take the time to explain how coverage applies, where limitations exist, and how aviation insurance can coordinate with your other policies, especially if your aircraft is used in connection with a business or real estate operation. Our goal is to provide clear, straightforward guidance so you can fly and operate with greater confidence in your insurance program.
Frequently Asked Questions About Aviation Insurance
What types of aviation risks can insurance address?
Aviation insurance can address risks such as physical damage to your aircraft, liability for bodily injury or property damage to others, and certain expenses related to covered losses. The specific protections, limits, and exclusions depend on the policy and carrier. We review your operation and help you understand which types of coverage may be appropriate for your situation.
Is aviation insurance required by law in the states you serve?
Requirements can vary based on factors such as aircraft type, how it is used, and where it is operated. Some airports, lenders, or business partners may also have their own insurance requirements. We recommend that you discuss your specific circumstances with us so we can help you understand how insurance can help you meet any applicable requirements or contractual obligations.
Can my business insurance policy cover my aircraft?
Standard business or commercial policies are generally not designed to cover aircraft or aviation liability. Aviation typically requires specialized coverage. At Ingram Insurance Group, we can review your current business insurance and discuss how dedicated aviation coverage may fit into your overall program so you are not relying on assumptions about protection.
Do you work with both personal and business aviation clients?
Yes. We work with clients whose aircraft are used for personal purposes, business purposes, or a combination of both, as part of our broader personal and business insurance services. Our focus is to understand how the aircraft is actually used and to help you explore coverage that aligns with that use.
How often should aviation insurance be reviewed or updated?
Aviation insurance should be reviewed whenever there is a change that could affect your risk. This might include purchasing or selling an aircraft, changing how often or where you fly, modifying your aircraft, adding pilots, or changing how the aircraft is used within your business. We encourage ongoing communication so we can help you keep your coverage aligned with your current operation.
Protect Your Aircraft With The Right Coverage Today
Secure the specialized protection your operation needs with tailored aviation insurance from Ingram Insurance Group. We will review your risks, explain your options in plain language, and help you move forward confidently, or you can contact us now to start your personalized quote.
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