What is Tugs and Tows/SafeAir?
Tugs and Tows/SafeAir insurance is a specialized form of commercial insurance designed to protect businesses that operate ground support vehicles such as aircraft tugs, towing vehicles, and related airport handling equipment. These vehicles may not be used on public roads but still present significant operational hazards within restricted areas like airports, hangars, and maintenance zones.
This coverage safeguards against liability exposures and physical damage arising from the use of ground equipment in aviation environments, where property damage or injury risks can be substantial.
Who needs it
This type of insurance is commonly required by companies that provide aircraft ground handling services, fixed-base operators (FBOs), maintenance contractors, and airport operators. Any organization that uses towing vehicles or tugs around aircraft may benefit from this coverage, including logistics contractors and aviation service providers.
What it typically covers
Tugs and Tows/SafeAir insurance typically includes:
- Liability coverage for third-party bodily injury or property damage
- Physical damage coverage for insured vehicles and equipment
- Collision and comprehensive protection for non-road-use vehicles
- Optional property coverage for associated equipment
For example, if a tug accidentally damages an aircraft while repositioning it on the tarmac, this policy may help cover repair costs and liability claims.
Common exclusions or limitations
Like most commercial policies, exclusions may apply. Common limitations include:
- Damage resulting from operator negligence or lack of training
- Wear and tear or mechanical failure
- Use of equipment outside designated operational areas
- Unscheduled or unauthorized use of vehicles
Understanding these exclusions is key to effective risk management planning.
Factors that influence cost
Premiums for this type of insurance depend on several underwriting factors, including:
- The type and number of vehicles or equipment insured
- Operational zones (e.g., busy airport vs. private airfield)
- Claims history and safety protocols
- Employee training and certification standards
Insurers may also consider the frequency of aircraft movements and potential for spectator injury exposures in public-facing operations.
Proof of insurance & compliance
Many airport authorities and aviation contractors require proof of insurance before allowing ground service operations. A certificate of insurance (COI) can demonstrate that your business meets coverage requirements and is compliant with facility policies. Always check with your airport’s risk management team to confirm documentation standards.
How to get a quote
To get a tailored quote for Tugs and Tows/SafeAir insurance, work with an insurance provider experienced in aviation-related commercial auto exposure. They can assess your specific risks and develop a policy that aligns with your operations.
Request a custom quote here to get started.
If your business also involves towing vehicles on public roads, you may want to explore broader Tow Truck Insurance options to ensure full protection. Additionally, understanding the nuances of On-Hook Insurance can help safeguard vehicles in transit.
Frequently Asked Questions
Is this insurance required by airports?
Requirements vary by location, but many airports mandate specific liability coverage for ground support operations.
Does this policy cover vehicle damage from towing aircraft?
Yes, physical damage and liability from towing operations are typically covered, subject to policy terms and exclusions.
Can this insurance cover equipment stored off-site?
It may, depending on the policy structure. Some include property coverage for equipment held at other locations.
What types of vehicles are eligible?
Eligible vehicles often include aircraft tugs, baggage carts, and other motorized ground support units used in aviation contexts.
Does this cover employee injury?
No, employee injuries are generally covered under workers' compensation insurance, not this policy.
Still have questions? Talk to a local insurance expert.