Aviation workers compensation insurance guide

Workers compensation for aviation businesses

The people working around your aircraft, ramp and hangar have different responsibilities. When you request aviation workers compensation insurance, start with the jobs they perform and the states where they work.

Workers compensation generally provides medical care and other benefits for covered work-related injuries or illnesses. Requirements and benefits vary by state and employment circumstances. The U.S. Department of Labor explains where workers compensation programs apply.

Describe the work, not just the business name

A submission should give the insurer a clear picture of your operation. Discuss staff duties, payroll, locations, safety procedures and prior claims with BWI. Explain whether your team performs flight operations, maintenance, fueling, ground handling, instruction or office work.

Describe the work accurately even if your business has several aviation activities. Ask which information the insurer needs for each group of employees and whether work away from your main location needs additional review.

How it fits with your other insurance

Workers compensation addresses employee-related exposures. It should be reviewed alongside your aircraft, premises, hangarkeepers and other business coverages. Do not assume that an aviation liability policy includes workers compensation, or that one policy covers every activity your business performs.

What to have ready

• Your legal business name, locations and states of operation.
• Employee job descriptions and estimated payroll by role.
• Your current policy, renewal date and available claims history.
• Details of subcontractors, temporary staff and work performed away from your main location.
• Safety and training procedures relevant to your team.

These details help start the conversation. The insurer may request additional information during underwriting.

Check the rules that apply to your operation

Use the Department of Labor’s state workers compensation directory to find the responsible agency. Discuss multi-state work and any unusual employment arrangements with your insurance and legal advisers.

Talk with BWI

BWI is family-owned and has focused on aviation insurance since 1977. Tell us about your team and your renewal timeline. We can help you discuss available options and the information needed for a submission.

Coverage is subject to the policy terms, applicable requirements and underwriting approval. A quote request does not bind coverage.