Aviation Insurance for Aircraft Owners & Operators
From private aircraft owners to commercial charter operators and FBOs — specialized aviation programs backed by Lloyd's and A-rated aviation markets.
Aviation is one of the most specialized insurance markets in the world. Grandbay Financial places aviation risks with the specialist underwriters who understand the unique exposures of flight operations.
Deep Industry Expertise for Aviation Businesses
Aviation insurance requires underwriters who understand the technical complexities of aircraft operations, pilot qualifications, maintenance standards, and the regulatory environment of the FAA and international aviation authorities. Standard commercial insurance carriers do not write aviation risks — placement requires access to specialist aviation markets including Lloyd's of London syndicates and dedicated aviation insurers. Grandbay Financial has the market relationships and technical expertise to place aviation risks ranging from single-engine private aircraft to commercial charter fleets and aviation service businesses.
What We Cover
Aircraft Hull Insurance
Physical damage coverage for aircraft on the ground and in flight — agreed value basis with options for in-motion and not-in-motion coverage.
Aviation Liability
Bodily injury and property damage liability arising from aircraft operations, including passenger liability and third-party ground damage.
Passenger Liability
Dedicated passenger liability coverage for charter operators, air taxi services, and aircraft owners carrying passengers.
FBO Insurance
Comprehensive programs for fixed base operators including hangarkeepers liability, fuel liability, and premises coverage.
Aviation Products Liability
Products liability for aircraft manufacturers, parts suppliers, and MRO facilities for claims arising from defective products or workmanship.
Hangarkeepers Liability
Coverage for FBOs and maintenance facilities for damage to aircraft in their care, custody, or control.
Non-Owned Aircraft Liability
Liability coverage for businesses and individuals who fly aircraft they do not own — including rental and charter operations.
Drone / UAS Insurance
Commercial drone and unmanned aerial system (UAS) insurance for operators, including liability and hull coverage.
Airport Liability
Premises liability for airport operators, including coverage for aircraft operations, ground vehicles, and public access areas.
Key Exposures We Address
Every aviation business faces a unique set of risks. Our specialists identify and mitigate the exposures most likely to impact your operations and financial stability.
What Aviation Businesses Face
Claims Scenarios & Outcomes
A Part 135 charter operator's aircraft sustained substantial damage during a hard landing, injuring two passengers. The aircraft was a total loss valued at $1.8M, and passenger injury claims totaled $2.4M.
The operator's hull policy paid the agreed value of $1.8M for the aircraft. The passenger liability coverage responded to the injury claims. Grandbay's aviation claims team coordinated with the aviation-specialist defense counsel to manage the litigation.
A maintenance technician at an FBO accidentally damaged a customer's aircraft during a routine inspection, causing $380,000 in airframe damage. The aircraft owner demanded immediate payment.
The FBO's hangarkeepers liability policy covered the full cost of repair. Without this coverage, the FBO would have faced a direct out-of-pocket claim that could have threatened the business.
Aviation Insurance FAQs
Ready to Protect Your Aviation Business?
Our aviation insurance specialists are ready to design a program tailored to your specific operations, exposures, and growth objectives.