Aircraft Hull & Liability Insurance for confident operations

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What this coverage does

Protecting your aircraft and third-party liability

Aircraft hull insurance addresses physical loss or damage to the aircraft. Aircraft liability insurance addresses bodily injury and property damage to others. Most owners combine both coverages in one aircraft policy. JCL Aviation Services helps private owners and corporate flight departments set appropriate limits, deductible structures, and endorsements for domestic and international travel.

Coverage details that matter

Hull options, liability limits, and key endorsements

Hull coverage is usually written on an agreed value basis and tailored for ground, taxi, and/or in-flight operations. Liability typically uses a combined single limit that covers third-party injury and property damage, with options for passenger liability. Corporate operations may require high liability limits, while private owners may choose more modest limits based on aircraft type and mission profile. JCL Aviation Services explains coverage terms and options like medical payments, non-owned aircraft coverage, passenger voluntary settlement coverage and territorial coverage for travel to Canada, the Caribbean, Europe and beyond.

Who needs aircraft hull and liability insurance

Owners and Operators

Any aircraft owner or operator should maintain year-round coverage. Coverage is needed to protect internal assets and meet 3rd party requirements such as those set in a finance or lease agreement.  Aircraft policies contain pilot warranties.  If pilot requirements are not met, coverage can be jeopardized.  JCL Aviation Services helps to design policies to meet your goals, protect your assets, and cover requirements.  We work with clients and their crew members to ensure pilot requirements are understood and met.  Open communication is maintained so programs evolve along with client needs and changing conditions resulting in smooth transitions.

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How JCL Aviation Services helps

Market access, clear guidance, and strong claims support

We approach multiple aviation insurers, compare terms, and help you select the best fit for your aircraft and missions. If you experience a loss, our team stays involved with the carrier to support timely, fair outcomes. Clients choose JCL Aviation Services for direct access to decision makers and explanations that cut through jargon.

Aircraft Liability Limits Guide

This downloadable resource explains how aircraft liability limits work and why selecting the right structure matters for owners, pilots, and flight departments. It walks through key considerations such as passenger exposure, mission profile, airport environments, and typical limit benchmarks used across general and corporate aviation. The guide helps operators understand how insurers view liability selection and provides a clear foundation for choosing limits that match real-world risk.

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Questions owners often ask

Straight answers so you can fly with confidence

  • What is the difference between aircraft hull insurance and aircraft liability insurance?

    Hull insurance addresses physical damage to your aircraft, whether from a runway incursion, severe weather, or a hangar mishap. Liability insurance addresses third-party bodily injury and property damage resulting from your ownership, maintenance, or use of your aircraft. Coveragre is combined under one policy so physical damage to your aircraft and legal exposures arising from your aircraft oprations are addressed together.

  • How are premiums for aircraft insurance determined?

    Pricing reflects multiple factors including hull value, aircraft make & model, pilot experience, usage profile, liability limit and loss history. Underwriters also weigh storage location, maintenance standards, and where flights are normally conducted such as in busy airspace like in the Northeast corridor of the United States or rural parts of the Midwest. We present multiple quotes and explain why price and deductibles differ.

  • What liability limits should I consider for my aircraft?

    There are numerous factors to consider when selecting a limit of liability such as type of aircraft, type of operation (personal, business, and/or commercial use), contractual obligations, operational area, and passenger capacity.  JCL Aviation Services works with you to analyse risk and provides options based on your unqiue needs.

  • Can I fly internationally with my policy, and do I need special endorsements?

    Many policies include a defined territory which can be extended to cover international travel. If you plan flights outside of the Continental United States, we work with you to ensure policy limits meet international requirements and certificates align with local requirements.

  • What happens if I have a claim on my aircraft policy?

    After initial contact is made with JCL and/or your carrier, we help outline  and assist with next steps.  JCL helps with damage documentation and gathering information surrounding the incident.  The claim representative will review documentation including estimates for repair, and provide coverage analysis based on policy parameters.  JCL is your advocate.  We work to ensure settlements are appropriate and handled in a timely manner.