Flight School Insurance Coverage Checklist
The coverages a flight school 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 flight schools and rental operations. Priorities reflect typical exposure; confirm against fleet and students.
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 | Covers injuries and damage from school and rental aircraft. | Core | |
| Hull (Owned & Leaseback Aircraft) | Covers the training fleet — confirm leaseback aircraft are included at agreed values. | Core | |
| Student & Renter Pilot Coverage | Confirms students and renters are covered and the insurer won't seek repayment from them. | Prevalent | |
| Airport Premises Liability | Covers injuries at the school's facilities. | Core | |
| Non-Owned Aircraft Liability | Covers instructors teaching in customers' aircraft. | Situational | |
| Abuse & Molestation | Needed if students under 18 are trained. | Situational | |
| Workers' Compensation | Covers instructors and staff. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is renters. Many school policies don't extend liability to renter pilots, or allow the insurer to recover a damaged aircraft's cost from the renter — a surprise for students and a customer-relations problem for the school. Schools should confirm renter coverage, require renter's insurance, and document leaseback insurance terms.
Send us the checklist and we'll review your flight school coverage line by line, then market it across multiple carriers that compete for your account.
Related: Flight School Insurance · Flight School Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a flight school business need?
The core coverages for a flight school business are Aircraft Liability, Hull (Owned & Leaseback Aircraft), Airport Premises Liability, Workers' Compensation. 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 flight school 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.