When you call an aircraft insurance broker, you probably expect honesty. Straight answers. Guidance you can trust.
But there’s one thing most brokers won’t tell you:
They don’t work for you. They work for your renewal.
That’s not how it should be.
The Truth About Aviation Insurance Incentives
Most brokers in aviation insurance earn their commission when your policy renews. That means:
- They get paid the moment you renew, not when they provide great service
- They have no incentive to shop your policy unless you ask
- They may avoid recommending changes that could lower your premium (and their paycheck)
That’s the uncomfortable truth. And very few will say it out loud.
Good Brokers Work For the Client, Not the Calendar
At BWI, we believe you deserve:
- A proactive review of your policy every single year
- Transparency around what we earn and how we earn it
- Full-market shopping, regardless of whether you ask for it
The brokers who hide behind vague renewals, slow responses, and quote-only service? They’re not building relationships. They’re managing transactions.
And that’s not enough.
3 Questions Most Brokers Hope You Never Ask
- Can I see which carriers reviewed my policy this year?
- If your broker can’t show you who quoted and who declined, how do you know they shopped it?
- What commission are you making on this policy?
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- Most brokers earn 10% to 15% of your premium. You deserve to know where your money is going.
- What can I do to lower my premium next year?
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- Brokers who avoid this question may not want you to reduce your cost—because it cuts their commission.
You deserve straight answers. Period.
The Long-Term Cost of Broker Silence
Every year you renew with a broker who doesn’t proactively advise you, shop your policy, or explain your options, you might be:
- Overpaying by thousands of dollars
- Missing better coverage or lower deductibles
- Flying with outdated liability limits
It’s not just about saving money. It’s about being protected.
What You Should Expect From Your Broker
A great aircraft insurance broker:
- Acts like your risk advisor, not a passive order-taker
- Shops your policy with multiple underwriters before you ask
- Explains carrier changes, market shifts, and rate movements
- Prepares you for the next renewal in advance
If that’s not happening, you’re not getting full value.
Final Thoughts
Aircraft insurance isn’t a commodity.
It’s a service. And you should be served.
If you feel like your broker is too quiet, too vague, or too hard to reach, it might be because they’re coasting on the renewal.
You deserve transparency. You deserve advocacy.
And you should never have to chase your broker for answers.
[Request a no-pressure, transparent quote from BWI today]
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