Aviation Workers' Compensation & Employer's Liability Insurance for crews and ground staff

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Take care of the team that powers your operation

Protecting your people in case of injury

Workers' compensation provides medical and wage benefits for employees injured on the job, and aviation roles often involve higher-risk tasks around aircraft and machinery. From line service & maintenance teams at your home facility in the Southwest to pilots traveling around the World, employees need the right classifications and territorial endorsements to ensure coverage. JCL Aviation Services helps employers meet requirements and respond quickly when claims happen.

Who needs aviation workers' comp

Airports, FBOs, flight departments, and MRO's

Any employer with pilots, mechanics, instructors, or ground crew must carry workers' comp according to state law. Corporate flight departments and charter operators should confirm crew coverage regardless of where their travels take them.  Airport, FBOs, and MROs need correct class codes for production workers and technicians to keep premiums fair and coverage reliable.

Coverage highlights that matter

Medical, wage replacement, death benefits, and employer's liability

Medical benefits cover necessary treatment and rehabilitation for work-related injuries and occupational illness. Wage replacement provides a portion of lost income while an injured worker recovers under state schedules.  Employer's liability protects your company if you face certain lawsuits related to employee injuries outside the workers' comp system.

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How JCL Aviation Services helps

Multi-state compliance, training credits, and claim support

We coordinate coverage for operations that cross state lines and ensure policies contain appropriate endorsements. JCL Aviation Services discusses safety practices that may reduce claims and help with carrier credits, including training. When a claim occurs, we work with adjusters and managers to streamline return-to-work strategies.

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Questions aviation employers ask

Clarity for pilots, mechanics, and ground staff

  • Does workers' comp cover pilots during flight?

    Yes, if pilots are employees and properly classified, work-related injuries in flight are part of the program. We confirm policy language and endorsements that recognize flying duties. Proper setup avoids disputes at claim time.

  • We are based in one state but operate in others. How is coverage handled?

    Coverage is tied to employee location and employer operations.  Policies can be written to cover exposures in multiple states. We ensure compliance for hubs and out-stations across regions. Certificates reflect each airport authority's requirements.

  • Why are aviation class codes more expensive?

    Rates reflect injury likelihood and severity for each job type. Pilots, line service, and maintenance roles often rate higher due to exposure. We review payroll allocation and safety programs to help manage costs.

  • What is employer's liability and do we need it?

    Employer's liability covers certain lawsuits not handled by statutory workers' comp. It complements your comp policy and is typically included. We set limits that align with your overall liability program.

  • Can we improve results after frequent small claims?

    Yes, focused training, equipment upgrades, and incident reviews can reduce frequency. We work with carriers on loss control resources and potential credits. Over time, better performance can improve pricing.