Air Charter & Air-Taxi Insurance Coverage Checklist
The coverages an air charter & air-taxi business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for Part 135 charter, air taxi, and helicopter operators, brokers, and management companies. Priorities reflect typical exposure for this class; confirm against your actual fleet and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Aircraft Liability (incl. | Passengers) Covers passengers and third parties — check for per-seat sublimits. | Core | |
| Aircraft Hull (All Risk) | Covers physical damage to owned and managed aircraft. | Core | |
| Workers' Compensation / Employer's Liability | Covers pilots, flight attendants, and ground crew. | Core | |
| Airport Premises / Hangar Liability | Covers injuries and damage at your base and hangar. | Core | |
| Non-Owned Aircraft Liability | Covers flights on aircraft you do not own or manage. | Prevalent | |
| Charter Broker Liability | Covers claims from flights you arrange on other operators. | Prevalent | |
| War, Hijacking & Terrorism | Restores coverage excluded from standard aviation policies. | Prevalent | |
| Hangarkeepers Liability | Covers others' aircraft stored or serviced in your care. | Situational | |
| Excess Aviation Liability | Adds the high limits charter customers and owners expect. | Prevalent | |
| Cyber / Privacy Liability | Covers passenger data and payment fraud. | Situational |
The coverage gap most often missed
The gap most often missed by charter operators is who the policy protects. Managed aircraft owners, brokers, and flights on other operators can fall outside the policy unless named and scheduled — and per-seat passenger sublimits can leave a large gap after a crash. Regulators also act on certificate issues: the FAA proposed a $260,868 fine in 2026 against an operator it says flew paid charters without a certificate. Confirm every owner, aircraft, and broker arrangement is on the policy.
Send us the checklist and we'll review your air charter & air-taxi coverage line by line, then market it across multiple carriers that compete for your account.
Related: Air Charter & Air-Taxi Insurance · Air Charter & Air-Taxi Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an air charter & air-taxi business need?
The core coverages for an air charter & air-taxi business are Aircraft Liability (incl., Aircraft Hull (All Risk), Workers' Compensation / Employer's Liability, Airport Premises / Hangar Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my air charter & air-taxi coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.