Non-Owned Aircraft Liability Insurance for renters and charter users

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Fly rented or chartered aircraft with confidence

Protection when you fly aircraft you don't own

Non-owned aircraft insurance provides liability protection when you rent, borrow, or charter an airplane or rotorcraft you do not own. This coverage may be required in order to rent aircraft for flight training or a weekend getaway, and it can help protect assets if an aircraft is chartered with a professional crew. JCL Aviation Services helps customers choose policy terms including limits which cover real-world exposures and not theoretical risk.

What the policy can include

Liability, aircraft damage, and key endorsements

Liability coverage addresses third-party bodily injury and property damage if you are held responsible for injury or damage arising from the use of a non-owned aircraft.  Coverage can also be extended to coverage physical damage to a non-owned aircraft, which could help pay a deductible under the Owner's primary policy.  A key feature under most of these policies is that defense costs are provided in addition to the liability limit.

Who benefits from non-owned coverage

Pilots, CFIs, flying clubs, individuals & businesses that charter

Individual pilots who rent aircraft for training or leisure need protection separate from the owner's policy, which may not defend you or pay your share. CFIs and flying club members often face contractual requirements from schools and clubs. Individuals and businesses that charter aircraft for private or executive transportation need contingent liability.

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How JCL Aviation Services helps

Clear guidance, quick placement, and practical answers

We listen.  Are you a pilot, what are your qualifications, what type of aircraft do you plan to rent, what are your contractual obligations?  Are you a business chartering aircraft for executive transportation, who do you charter from, what type of aircraft are used, destinations, annual usage?  Mission profiles are used to create insurance specifications meeting your unique needs, and then credible options are obtained from aviation-focused insurers. JCL Aviation Services explains options and places coverage based on your selections.  Initial placements and annual renewals are well planned, so the process is easy for busy customers.

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Questions pilots and companies ask

Straight answers for renters and charter users

  • If the owner has insurance, why do I need non-owned coverage?

    The owner's policy is designed to protect the owner, not necessarily you. Their insurer can pursue you for damage if you caused or contributed to the loss. Non-owned insurance provides your defense and pays covered liabilities, including damage to the aircraft.

  • I only rent a few times a year; is coverage worth it?

    Even infrequent flights can create significant exposure if an incident occurs. Non-owned policies are generally affordable and provide year-round protection for spontaneous rentals or charters. The cost is small compared to potential liability and defense costs.

  • Will this type policy provide CFI's with coverage if an incident occurs while providing instruction or giving a checkout?

    Many policies can be endorsed to cover this type of operation.  JCL Aviation Services reviews exposures and contractual obligations to offer the best solutions for your consideration. 

  • What limits should I consider for liability and hull damage?

    Mission profile and contractual obligations will help determine this.  For example, a private pilots renting a small piston powered aircraft, may purchase a $1,000,000 liability limit with a per-passenger sublimit and select a hull damage limit based on type of aircraft flown. Companies that charter corporate jets typically require much higher limits of liability such as $100,000,000. We present various structures and explain tradeoffs clearly.

  • Can I fly internationally with non-owned insurance?

    Yes, JCL helps structure coverage to meet mission profiles.  Under a policy covering small piston powered aircraft, coverage may be provided for flights in the continental US, Canada, Mexico, and the Carribean.  Whereas a business jet policy covering aircraft with international flight capabilities, may have Worldwide coverage with some restrictions.