Non-Owned Aviation

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Protecting your business and personal operations

If you, or your organization, uses an aircraft that you do not own, you’ll need non-owned aircraft liability protection, even if you’re only a passenger.  Non-owned aircraft liability protects you and/or your company, not the aircraft owner.  For those who qualify, coverage is generally available for non-commercial uses:

  • Corporate Non-Owned Aircraft Liability Insurance (for corporations) provides coverage to companies or individuals that use aircraft that they do not own and that are operated by third parties such as chartered aircraft or permissive use. These exposures are primarily contingent liabilities where the user does not employ the crew and is not directly involved with the operation and maintenance of the aircraft.
  • Personal Non-Owned Aircraft Liability Insurance (for individual licensed renter pilots) will protect you in the event you have an aircraft accident or cause damage to a non-owned aircraft you are using.  

Coverage can also be provided for flight instructors, examiners, and student pilots.  It can be tailored to include single-engine, multi-engine, light sport, experimental aircraft, and even piston-powered rotorcraft.

Non-owned claims do occur, averaging about $30,000, and tend to be very complex, especially when interchange or fractional ownership becomes part of the equation. 

At Risk Strategies, our seasoned team of aviation specialists has decades of industry experience protecting charter customers, charter brokers, entertainment, production & filming, renters and instructors, air ambulance, power line and pipeline patrol, aerial survey, and many other operations involving non-owned aircraft or drones.

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