Prime Insurance Company offers tailored Aviation Liability Insurance solutions designed for the unique risks faced by aviation professionals and businesses. Whether your client is a student pilot, a certified flight instructor, an aircraft renter or owner, or a hangar operator, Prime can help you place coverage that addresses their specific liabilities and operational gaps.
Overview of the Program From Prime Insurance Company
As a Managing General Agency with specialty liability expertise, Prime Insurance Company provides access to non-admitted Aviation Liability Insurance solutions across all 50 states and Washington, D.C. The program is built to serve accounts that can be difficult to place in standard markets — higher-exposure operations, accounts with prior losses, mixed operations (training + rental), and other nuanced liabilities requiring flexible underwriting.
Ideal Accounts and Appetite
This program is well-suited for a broad range of aviation-related risks, including:
- Pilots — private, commercial, and student pilots seeking individual liability protection
- Flight instructors and pilot training facilities
- Aircraft renters and private aircraft owners
- Rental, charter, and on-demand operators (subject to underwriting)
- Hangar owners/operators and maintenance providers
Examples of accounts you might place here: a flight school that needs instructor and student liability coverage separate from its hull policies, or a private-owner who rents aircraft and wants primary liability coverage for occasional renter operations.
Coverage Highlights and Advantages
Prime's Aviation Liability program can include a range of tailored liability solutions to close common coverage gaps:
- Individual Liability — policies for pilots and instructors to protect personal liability exposures during flight or instruction.
- Products Liability — protection for parts suppliers, placers, and those manufacturing aviation components.
- Maintenance A&P Liability — coverage for Airframe & Powerplant mechanics performing repairs, inspections, and maintenance.
- Hangar General Liability — liability protection for hangar owners/operators providing storage, ground handling, or limited servicing.
The program is designed to identify and close gaps — for example, when an instructor discovers they are not listed on a facility policy, or when a rental agreement leaves the renter with limited protection.
Underwriting Notes and Minimum Premiums
Prime underwrites accounts that may be outside standard market appetites, including those with prior losses or more complex operations. Underwriting is risk-specific and flexible; minimum premium requirements vary by risk class, aircraft type, operation, and limits requested. Present complete operations details and loss history to get the best response from underwriting.
Territories and Availability
This Aviation Liability program is offered on a non-admitted basis and is available nationwide — all 50 states and Washington, D.C. If you need multistate or multi-jurisdiction solutions, Prime can underwrite coordinated placements to match your client's operating footprint.
Why Work With Prime Insurance Company
Prime Insurance Company is known for flexible underwriting, pragmatic risk assessment, and faster turnaround on specialty liability placements. Working with Prime gives you:
- Customized policies for varied aviation exposures
- Non-admitted solutions for hard-to-place business
- Underwriters familiar with aviation operations and technical exposures
- Nationwide availability through the MGA platform
Partner with Prime Insurance Company through our CompleteMarkets profile to access this and other specialty liability programs.
Frequently Asked Questions
What types of accounts are a good fit for this aviation program?
This program is ideal for pilots, instructors, aircraft owners and renters, maintenance providers, hangar operators, and training facilities — especially accounts with unique exposures or that are hard to place in admitted markets.
Is this program available in all states?
Yes. Prime offers this Aviation Liability Insurance program on a non-admitted basis in all 50 states and Washington, D.C.
Can you write coverage for student pilots or pilot training facilities?
Yes. The program provides solutions for student pilots and training facilities, including instructor liability and policies designed to fill coverage gaps that facility policies may not address.
What types of liability coverage are available?
Available coverage includes individual liability, products liability, A&P maintenance liability, and general liability for hangar operations. Specific terms depend on underwriting and the operation’s exposure.
Do you offer solutions for insureds with prior claims or unusual risks?
Yes. Prime specializes in underwriting risks that may not qualify for standard markets, including accounts with prior losses or atypical operations. Provide full loss history for the most accurate consideration.
Need help placing an account? Connect with a market specialist.