Flying Clubs Insurance | AP Aerospace

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We understand flying clubs – because we’re in them, too.

flying clubs insuranceAt AssuredPartners Aerospace, we’ve created a newly expanded and very flexible Flying Club Insurance Program. This is a program designed exclusively for flying club members, by flying club members. So, whether your club has three members – or three hundred – we now have a policy to fit your needs. And your club’s aircraft coverage needs, too – from Light Sports, to light twins, and more. Call us and let us help ensure your club has the right protection for both your members and the aircraft they fly.

Club Insurance, from folks who’ve been there.

Because we’re in Flying Clubs ourselves, your AssuredPartners Aerospace team knows the ins and outs of the requirements that make Club coverages unique. And we’ve used that knowledge to create better programs for you and your members. Here are just a few of the things that help make Flying Club insurance from AssuredPartners Aerospace right for your Club:

  • Liability limits up to $2 million per occurrence and passenger liability between $100,000 - $250,000.
  • Deductibles from $250 to $1,000, with zero deductibles for those members who complete our Accident Forgiveness program
  • Special rates for clubs between three and ten members, with flat rates available for clubs that grow beyond ten members
  • Club members as named insureds
  • Coverage for social and special events
  • Unlimited social members
Factors that can influence Flying Clubs’ insurance rates

There are several things that can influence Flying Club insurance rates – here are a few of the most important:

  • Make and model of aircraft your Club operates
  • Insurance coverage limits needed (aircraft hull value and liability limits).
  • Number of members per aircraft.
  • Ratings, experience, proficiency, and claim-experience of members.
  • Aircraft location (hangared or tied down).
  • Additional expanded coverage that may be needed to meet club requirements.

Insurance rates will also depend largely upon the type of pilot certificates held by a Club’s members as well as the amount of experience each member has in the type of aircraft being insured.

What insurance companies need to know about your Flying Club

When we create a custom policy for your Club, the insurance companies will ask a variety of questions regarding safety and control matters. Typically, these questions include:

  • The type of airports where your Club operate (length, lights, sod or hard surface).
  • The type of storage facility where your Club’s aircraft are kept.
  • Extent of supervision over flight operations (especially regarding student pilots).
  • Club maintenance programs.
  • Club required currency requirements, refresher courses and check rides.
  • Your Club’s, and its members’, accident history.

At AssuredPartners Aerospace, we view getting the right coverage for your Club as a partnership between us, your Club and the insurance carrier – who can also answer any questions you might have. And, always remember to respond completely and honestly to any questions they might have for you as well. To speak with an agent, please call us at 800-622-2672.

Types of Flying Club insurance

Even though a Club may accept only the best pilots as members, it is still smart to have liability and hull insurance coverage for both the Club's and the individual members’ financial protection. When talking about Clubs, most insurance companies consider aircraft ownership by more than three persons to be a flying Club.  This is important to know because as your Club grows, you will need a flexible insurance policy to grow with you.  New Club programs, developed by AssuredPartners Aerospace, can accommodate clubs from three to a virtually unlimited number of pilots per plane.

Here are the types of coverages most used by Flying Club programs:

Liability Insurance. This coverage protects the Club and its individual members from the risk that they may be sued and held legally liable for a negligent action; including the property damage and bodily injury, sustained by a nonmember whenever any of these are the result of, or arise from, the ownership, maintenance, or use of a Club aircraft.  Liability insurance covers the legal costs of such actions and payments (up to the maximum allowed by the policy) for which the insured would be responsible if found legally liable.

Cross-liability. This is coverage for Club members who are passengers or bystanders when involved in an accident resulting from the actions of another Club member.  This coverage is not available under all insurance policies, but should be requested by the Flying Club, as it is coverage that protects the Club member pilot for injuries he might cause to another Club member.  Clubs should be aware of this coverage in this regard and either elect to include member coverage in its policy or alert members to the lack of such coverage.

Hull insurance. This coverage protects against loss of or damage to a Club's aircraft.  Hull insurance is generally divided into four categories; (1) All risks, ground and flight. (2) All risks, ground and taxi. (Note that takeoffs and landings are considered in-flight operations rather than ground operations) (3) Ground not in motion only (i.e. the aircraft is not moving under its own power). And (4) no hull insurance at all. 

Call Us for a custom quote

Get advice and expertise for your Flying Club’s coverage from pilots who’ve been Club members just like you. Call us at 800.622.2672 for a custom quote – and we’ll ensure we build the right coverage for you, and for your membership. 

Supporting Flying Clubs is an important part of AssuredPartners Aerospace's shared mission with AOPA to keep aviation accessible and affordable for more pilots.  We make it easy to manage your club’s insurance program no matter how many aircraft or members are involved.