What is Simulators/SafeAir?
Simulators/SafeAir insurance is designed to protect businesses and organizations that operate flight simulators or similar training equipment. These policies help manage liability exposures and property risks associated with aviation simulation devices, including damage to expensive equipment, participant injuries, or operational malfunctions. The coverage is particularly relevant for flight schools, aviation training centers, and simulator manufacturers.
Who needs it
This type of insurance is essential for operators and facilities offering aviation simulator services. Common policyholders include pilot training academies, air safety organizations, aviation clubs, and even museums with interactive simulation exhibits. It also benefits manufacturers and contractors who install or maintain simulator systems, as they face equipment and commercial liability exposures.
What it typically covers
Simulators/SafeAir policies often include:
- General liability – Protection from third-party bodily injury or property damage claims.
- Property coverage – Insures the simulator equipment against physical damage due to fire, theft, or other covered perils.
- Participant accident coverage – May apply if individuals are injured while using the simulator.
- Equipment breakdown – Covers mechanical or electrical failures of simulator systems.
For example, if a participant suffers an injury due to sudden equipment failure during a simulated flight, this policy can help cover related medical or legal costs.
Common exclusions or limitations
Policies may exclude coverage for intentional misuse of equipment, wear and tear, or unapproved modifications. Some insurers may also exclude certain high-risk training scenarios or simulators not meeting specific safety standards. Understanding these exclusions is vital for effective risk management.
Factors that influence cost
Premiums are influenced by several underwriting factors, such as:
- The type, value, and number of simulators
- Annual usage hours and number of participants
- Facility safety protocols and maintenance records
- Claims history and operational hazards
Commercial auto exposure may also be considered if simulator equipment is transported between locations.
Proof of insurance & compliance
Having this coverage can be a requirement for leasing space, partnering with educational institutions, or meeting aviation industry standards. A certificate of insurance (COI) is often used to show proof of coverage to stakeholders.
How to get a quote
The best way to determine what coverage is right for your operation is to discuss with an agent who understands aviation-related exposures and equipment risks.
For organizations operating simulation tow vehicles or ground support equipment, Tugs and Tows/SafeAir Insurance may also be relevant.
Frequently Asked Questions
Is Simulators/SafeAir insurance required by law?
Requirements vary by state and are often influenced by contractual obligations or partner mandates, rather than legal mandates.
Does this insurance cover damage to simulator software?
Coverage may include damage caused by covered events, but software corruption or cyber risks may require a separate cyber liability policy.
Are mobile simulators covered under the same policy?
Mobile units can be insured, but may require additional endorsements or coverage for transportation risks and commercial auto exposures.
What if a participant claims injury during a simulation?
Participant accident or general liability coverage may respond to such claims, depending on policy terms and the nature of the incident.
Can I bundle this with other aviation insurance?
Yes, bundling with other aviation-related coverages like hangar liability or aircraft hull insurance may be possible through specialized carriers.
Still have questions? Talk to a local insurance expert.