Aircraft Renters Insurance

Legal liability coverage covers you against claims for bodily injury and property damage that occurs while you're operating a rented aircraft. All renter policies require legal liability coverage. It doesn't cover damage to the rented aircraft — that protection is available under the physical damage for non-owned aircraft coverage.

Most insurers recommend you protect yourself with the highest amount of legal liability coverage you can afford. The amount of physical damage coverage you need depends on the estimated value of the aircraft you typically fly and what the rental agreement says you're responsible for. Repair costs can be very high, so you do need your own coverage.

In the event of an accident, you can protect yourself from skyrocketing legal fees through the legal defense benefit under the renter policy. If there's a claim against you, the policy provides you with legal defense as added protection. This benefit is important because attorney fees are often $400 or more per hour. Legal fees can add up quickly, and the average legal defense cost is more than $25,000.

You can add your employer for $50. Coverage doesn't apply to losses or occurrences that arise from your employer's activities involving the manufacture, sale, repair or service of the aircraft or its parts, or the operations of the airport, hangar facility, flying service or pilot activity.

A deductible is the amount you'll pay to the rental facility or owner of the aircraft you're renting, out of your own pocket, in the event of an accident. Our renter aircraft insurance policies will pay up to $5,000 of the aircraft owner's or rental facility's deductible, even if you're not at fault. However, this endorsement only applies if you have physical damage coverage on the policy.

Aircraft Owners and Pilots Association (AOPA) members enjoy a 5% discount on your policies. And pilots with a claims-free flying record are eligible for a 10% discount at policy renewal.

Our Accident Forgiveness and Deductible Waiver Program is another easy way to improve pilot safety while helping lower your out-of-pocket expenses after an accident. And, completing an eligible AOPA Air Safety Institute program every six months rewards you with a zero increase in your renewal rates because of a covered claim during your policy period.