Family-owned aviation insurance since 1977
Non-Owned Helicopter Insurance
Renting, borrowing or instructing in a helicopter? Start with a conversation about your responsibilities and the protection you need.
Matt and the BWI teamReal aviation insurance professionals. Meet us →
Real people. Real experiences.
What BWI customers say
Reviews of BWI’s aviation insurance service.
Great service great follow-up by Katie 11 years as customer
Emily is a fantastic agent. She's very knowledgeable and helpful. I would definitely recommend her for your aviation insurance needs!
If you are shopping for aviation insurance, you MUST speak with Katie! Helpful, knowledgeable and ready to go the extra Nautical Mile for you!
A conversation built around your aircraft
Start with what matters to you.
Your operation
Describe your aircraft, equipment and intended work.
Explore the guideYour people
Share pilot experience, training and who will fly.
Explore the guideYour coverage
Review the limits, conditions and next steps with BWI.
Explore the guideCoverage varies by policy. Discuss the proposed terms, conditions and exclusions with BWI.
Non-owned helicopter insurance guide
Use the actual proposal and policy documents when deciding. Insurance terms, availability and premiums depend on the submission; coverage is not effective until binding is confirmed. Request a quote for your aircraft; terms, availability and premiums depend on the insurer and your details.
GET NON-OWNED ROTOR-WING INSURANCE
Whether you’re renting a Robinson for flight training, giving dual instruction in a school aircraft, or hopping into a client’s helicopter for a quick mission—you need coverage that protects you, not just the aircraft.
Flying a helicopter you do not own can create exposures to discuss, including:
- Damage to the aircraft
- Bodily injury to passengers or third parties
- Legal defense if a claim is filed
A school or owner’s policy may not insure you personally. Review the actual policy and rental agreement rather than assuming permission to fly, an open pilot warranty or being listed as a pilot gives you personal coverage.
BWI can help discuss non-owned rotorcraft insurance for your proposed aircraft and operation. Identify whether you are renting, instructing or carrying out other work so eligibility and terms can be reviewed.
Why Pilots Trust BWI for Non-Owned Helicopter Insurance
- 40+ years of aviation insurance experience
- Personal support from the BWI aviation insurance team
- Aircraft type and territory reviewed for the proposed operation
- Timing discussed after the application is reviewed
- Policy documents and proof confirmed after binding
- Student, instructor and renter activities disclosed for eligibility review
Who Needs Non-Owned Rotor-wing Insurance?
- 🚁 Student pilots in training (R22, R44, etc.)
- 🧑🏫 CFIs giving dual in non-owned aircraft
- 🔁 Freelance instructors or contract pilots
- 👥 Flying club members or shared aircraft users
- 📸 Pilots providing photo, survey, or utility flight support
Before flying, confirm what the owner’s policy, rental agreement and any personal non-owned policy actually provide. Pilot approval is not the same as being an insured person under every coverage.
Non-Owned Rotor-wing Coverage to Discuss
Ask whether the offer includes these coverages, and review its limits, exclusions and conditions:
- Bodily injury and property damage liability
- Damage to the helicopter you fly
- Legal defense for covered claims or lawsuits
- Optional deductible reimbursement
- Optional medical coverage for passengers
Confirm the definition of eligible non-owned aircraft, permitted uses, pilots, territory and rental arrangements. Do not assume every helicopter, school or instructional activity is covered.
What Determines a Non-Owned Rotorcraft Quote?
Aircraft types, pilot qualifications, intended activity and requested limits matter. Review bodily-injury and property-damage liability separately from liability for damage to the helicopter. Ask about deductibles, owner-deductible reimbursement and medical-payment options in the actual offer.
Request a current quote for your circumstances. A published premium or limit is not a guarantee of availability or coverage.
Common Questions About Non-Owned Rotor-wing Coverage
Q: Isn’t the flight school’s insurance enough? It depends on the policy and agreement. Ask what protection applies to you personally and whether an insurer may seek recovery from you after a loss.
Q: Can student pilots get this coverage? Disclose the student certificate, training, instructor and helicopter type. Availability and supervision conditions require confirmation through application and underwriting review.
Q: Does this cover aircraft damage if I crash during instruction? Ask whether liability for damage to the helicopter is included and whether the instructional activity is permitted. Check limits, deductibles and exclusions in the policy.
Q: Do I need to be a commercial pilot to get coverage? Describe your certificate, ratings and actual use. Eligibility must be confirmed for the specific renter or instructional operation.
Q: Can I use this coverage for multiple aircraft or schools? Check the eligible aircraft, use definitions, territory and other conditions before relying on coverage at another school or in another helicopter.
Q: Can I get coverage today? Ask about your application’s status. Coverage begins only on confirmed terms and the effective date; same-day approval is not guaranteed.
Why BWI?
- 40+ years of aviation insurance expertise
- Real people. Real support. Real protection.
- Trusted by CFIs, students, and operators nationwide
- Fast, honest quotes with no call centers
- Proprietary tech via iFlyQuote.com to streamline quotes
Whether you rent occasionally, fly regularly or are beginning training, BWI can help discuss the proposed activity and available terms.
Get a Non-Owned Rotor-wing Insurance Quote Today
Call (800) 666-4359 or click below to request your custom quote.
Your next step
A few details help us get started.
- Exact aircraft model, registration and equipment.
- Requested insured value and planned operation.
- Pilot experience, training and relevant approvals.
- Current insurance and preferred effective date.
A real team behind you.
Meet Matt White and the people who help BWI customers every day.
Let’s talk about your next flight
