Aircraft Maintenance & MRO Insurance Coverage Checklist
The coverages an aircraft maintenance & mro 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 145 repair stations and independent aircraft maintenance shops. Priorities reflect typical exposure for this class; confirm against your actual services and aircraft.
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 |
|---|---|---|---|
| Aviation Products & Completed Operations | Covers crashes and losses caused by your work after the aircraft leaves the shop. | Core | |
| Hangarkeepers Liability | Covers customer aircraft damaged while in your care, custody, or control. | Core | |
| Airport Premises Liability | Covers injuries and damage at your hangar and on the ramp. | Core | |
| Workers' Compensation / Employer's Liability | Covers mechanics — general liability does not cover your staff. | Core | |
| Property / Tools & Equipment | Covers the hangar contents, tooling, test equipment, and parts inventory. | Prevalent | |
| Grounding Liability | Covers costs when your work causes aircraft to be grounded — often excluded. | Situational | |
| Non-Owned Aircraft Liability | Covers test and delivery flights in customer aircraft. | Situational | |
| Excess / Umbrella Aviation Liability | Adds limits — confirm it follows aviation coverage, not just ground risks. | Prevalent | |
| Pollution Liability | Covers fuel, solvent, and paint releases. | Situational | |
| Hired & Non-Owned Auto | Covers staff driving to mobile jobs and parts runs. | Situational |
The coverage gap most often missed
The gap most often missed by maintenance shops is the work after it leaves the hangar. Hangarkeepers covers aircraft in your care, but a crash months later blamed on your inspection falls under products and completed operations — and limits can run out fast. In one 2025 North Carolina case, insurers were ordered to pay $50 million and excess carriers declined. Confirm your completed operations limits and make sure any umbrella actually covers aviation work.
Send us the checklist and we'll review your aircraft maintenance & mro coverage line by line, then market it across multiple carriers that compete for your account.
Related: Aircraft Maintenance & MRO Insurance · Aircraft Maintenance & MRO Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an aircraft maintenance & mro business need?
The core coverages for an aircraft maintenance & mro business are Aviation Products & Completed Operations, Hangarkeepers Liability, Airport Premises Liability, Workers' Compensation / Employer's 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 aircraft maintenance & mro 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.