Aircraft Owner Insurance Coverage Checklist
The coverages an aircraft owner 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 owners of private and business aircraft. Priorities reflect typical exposure; confirm against aircraft, use, and pilots.
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 (Single Limit) | Covers injuries and damage to others — confirm there's no small per-passenger sublimit. | Core | |
| Hull (Agreed Value) | Covers damage to the aircraft in flight and on the ground at an agreed value. | Core | |
| Every Pilot Qualifies Under the Policy | Named-pilot or open-pilot terms set who may fly — an unqualified pilot can void coverage. | Core | |
| Medical Payments | Pays passengers' medical costs regardless of fault. | Prevalent | |
| Non-Owned Aircraft Liability | Covers the owner when flying rented or borrowed aircraft. | Situational | |
| Excess Aviation Liability | Personal umbrellas usually exclude aircraft — excess aviation limits fill the gap. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is the pilot clause. Aircraft policies cover only named pilots or pilots who meet stated experience minimums, and a flight by anyone else may not be covered at all — while personal umbrellas usually exclude aircraft. Owners should confirm every pilot qualifies, avoid small per-passenger sublimits, and add excess aviation liability if needed.
Send us the checklist and we'll review your aircraft owner coverage line by line, then market it across multiple carriers that compete for your account.
Related: Aircraft Owner Insurance · Aircraft Owner Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an aircraft owner business need?
The core coverages for an aircraft owner business are Aircraft Liability (Single Limit), Hull (Agreed Value), Every Pilot Qualifies Under the Policy. 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 owner 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.