Aviation Liability Insurance

Category: insurance

Coverage for bodily injury or property damage caused to third parties by an aircraft operation.

Aviation liability protects the pilot or fleet owner if the aircraft crashes into a structure or injures passengers. It is usually structured with a "Smooth Limit"—a single combined limit for passenger injuries and ground-level property damage—or with strict per-passenger sublimits.

Common Examples

• Our agency recommended a $5M smooth aviation liability limit to protect the charter fleet from passenger lawsuits.
• Standard commercial general liability explicitly excludes aircraft operations, making a dedicated aviation liability policy mandatory.