Aviation professional liability insurance guide

Aviation professional liability insurance

Your work may involve advice, inspections, engineering or other professional services. A client’s allegation of an error can create a financial-loss exposure even when no aircraft is damaged and no one is physically injured.

Aviation professional liability insurance is designed to address specified professional-service exposures. It should be considered alongside your other aviation policies, with the insured services and policy wording reviewed carefully.

What to discuss with BWI

Describe the services you provide, the qualifications of the people performing them and the responsibilities you accept in contracts. This helps identify the exposures you want an insurer to consider.

• Consulting, auditing or safety advice.
• Engineering and technical services.
• Inspections and maintenance-related professional services.
• Other aviation services specifically accepted by the insurer.

How the coverage works

Global Aerospace describes professional-services liability as complementing traditional aviation liability coverage for certain financial losses arising from an alleged wrongful act. Its examples include an inadequate pre-purchase inspection or improper advice concerning an engine overhaul. Whether a particular claim is covered depends on the policy and the facts.

Limits, deductibles and exclusions

Available limits and deductible options depend on the insurer and the submission. Review the definition of covered professional services, exclusions, reporting requirements and defense-cost treatment before choosing a policy. Do not assume that every professional activity or contractual promise is covered.

Requirements can arise from contracts or the circumstances of an operation. This page does not suggest that every aviation business is legally required to buy the same professional liability policy.

Prepare for your quote request

• A description of your services, clients and annual revenue.
• Qualifications and experience of the professionals involved.
• Sample contracts and any requested insurance terms.
• Current insurance, prior claims and desired effective date.

A real team behind your request

BWI is family-owned and aviation focused, serving customers since 1977. Talk with our team about your work and the coverage you want to explore. We can explain the next steps and help you prepare a submission.

Coverage availability is subject to underwriting. The issued policy determines coverage, limits, conditions and exclusions.