Insurance for Airports, FBOs, and Aviation Service Businesses
Keep ground operations running smoothly
Comprehensive coverage for aviation businesses ground operations
Airports, FBOs, flight schools, charter operators, and MROs face risks that standard policies often exclude. JCL Aviation Services presents policies that address aviation exposures. We coordinate aviation general liability, auto, commercial property, workers' compensation among other insurances to cover your unique exposures. Whether you have one location in Orlando or multiple locations in the Midwest, JCL Aviation Services is here to support your aviation operations.
The foundation of your program
Aviation general liability with hangarkeeper's Coverage
Aviation general liability addresses legal liability arising out of your ownership, maintenance, and/or use of airport premises or stemming from your aviation operations such as fueling, maintenance, and storage of aircraft. Hangarkeeper's coverage is a key component that this policy can provide if you rent hangar space or house transit aircraft. Even if tenants and transit aircraft owners sign waivers of subrogation for physical damage to aircraft in your care, custody, and control, you still have a liability exposure. JCL works with your team to analysis risk and contractual obligations to design and place policies that fit your needs.
Buildings, mobile equipment, and Tools
Airport and hangar property coverage
Aviation / Commercial Property policies can provide physical damage coverage for hangars, maintenance shops, and other airside buildings. These policies can also extend physical damage coverage to mobile equipment such as tugs, fuel trucks, and scissor lifts as well as business personal property such as tools, furnishings, and equipment. Business interruption with extra expense is another area of coverage, which can be addressed under this type of policy form.
People
Workers compensation for line, maintenance, and instructors
Line service technicians, mechanics, dispatchers, and CFIs work in high-risk environments and need correct classifications. Aviation workers compensation policies provide medical and wage benefits for aviation personnel following a workplace injury. JCL Aviation Services ensures policies address multi-location and/or multi-state operations and are here to support your team throughout the claim process.
Specialized exposures to address
Professional services
Flight schools, aircraft charter brokers, aircraft managers, and others providing advisory services should consider professional liability. These policies and endorsements provide liability coverage for 3rd party claims arising from alleged financial loss due to negligent instruction or professional advice.
Environmental responsibilities
Pollution and site risks for airports and FBOs
Fuel farms, de-icing operations, and wash water handling can trigger cleanup and third-party pollution claims that general liability policies exclude. Environmental and site pollution policies address on-site remediation and off-site impacts. JCL integrates these forms with other aviation policies to prevent gaps in coverage.
Questions airport and aviation business leaders ask
Practical answers for operations and finance
What insurance does a small FBO actually need?
Start with aviation general liability insurance to address any main exposures such as premises, products-completed operations, and hangarkeeper exposures. Purchase property coverage to address physical damage to buildings & equipment. JCL Aviation Services is here to help you assess risk, review contractual obligations, and structure programs inline with the size and scope of your operation.
Our Airport Authority wants to be an additional insured under our policy. Is that a standard request?
Yes, airport authorities require FBO's and other aviation business to carry insurance. They usually require business owners include them as an additional insured under their policies as part of lease or other operational agreement. We review contractual obligations with you to ensure requirements match your operations and certificates and other documentation clearly evidence insurance obligations are being met.
Do flight schools need coverage beyond fleet policies?
Yes, schools often need aviation general liability to cover ground operational exposures and negligent instruction to cover professional liability. We work with you to tailer programs that match how you operate.
How should we insure airside vehicle?
Most standard policies exclude aviation operations including airside exposures. Coverage needs to be placed through aviation markets to address large mobile equipment exposures such as fuel trucks and licensed vehicle exposures that operate on & off airport premises such as crew cars and sprinter vans used for mobile maitenance.
