Light Aircraft Insurance

Protect against physical damage to the aircraft, whether it occurs on the ground or in flight. This coverage ensures owners can repair or replace the aircraft, minimizing financial loss and maintaining operational continuity.

Safeguard aircraft operators from financial claims relating to bodily injury and property damage to third parties, providing peace of mind and financial protection against potentially costly legal liabilities.

Secure financial protection for injuries sustained by passengers aboard the aircraft, ensuring that operators can meet their obligations to passengers while limiting financial loss.

Cover damage to the aircraft while it's not in flight, such as during maintenance or storage. This coverage protects owners from unexpected repair costs and ensures the aircraft is ready for operation when needed.

Receive compensation for income lost when the aircraft is out of service due to a covered loss, helping operators maintain financial stability and continue meeting business obligations despite temporary setbacks.

To submit a claim, call us at (800) 622-2672 during normal business hours: Monday — Friday, 8:30 a.m. — 5:00 p.m. Eastern Time.

If you need to file a claim outside of business hours, please contact your insurance carrier directly. You'll find their phone number on your policy documents.

That depends on many factors. Though we can't fully address all possible scenarios here, it's possible that some insurance companies will include a surcharge upon your renewal, while other carriers may or may not offer a quote for a year or two. If a pilot shows particularly bad judgment (e.g., fuel exhaustion) then the insurance company may be unwilling to renew or may offer coverage only at a much higher premium level. It's also possible for the renewal premium to increase even if the insurance company didn't attach a claim surcharge, simply due to fluctuations in the marketplace.

The Accident Forgiveness and Deductible Waiver Program is an easy way to improve pilot safety while helping lower your out-of-pocket expenses in the event of an accident. Completing an eligible AOPA Air Safety Institute program every six months waives all deductibles and rewards you with zero increase in your renewal rates due to a covered claim during your policy period. This program is available through several of the insurance companies Gallagher Aerospace and Aviation represents.

First, take reasonable steps to protect the aircraft from further damage. In addition, provide the insurance company with any documents they request (e.g. aircraft logbooks, pilot logbooks, estimates, photographs, sworn statements, etc.) as promptly as possible. You'll actually be an integral part of the claims settlement process, so make sure you and your adjuster are communicating regularly.

The most frequent cause of a delay in the claims settlement process is that the insurance company didn't receive requested documents from the policyholder. And, as always, our Aerospace and Aviation claims team will be there to assist you should you need it.