If your business relies on aircraft, protecting those assets is critical, not only for safety and compliance but for the survival of your operation. Commercial aviation insurance provides specialized coverage for businesses that own, lease, or operate aircraft for commercial purposes.
At BWI Aviation Insurance, we work with flight schools, charter operators, aerial survey companies, agricultural operators, and more to secure the right policies at competitive rates.
What is Commercial Aviation Insurance?
Commercial aviation insurance is designed for any non-private aircraft operation. It provides protection for:
- Aircraft hull damage
- Passenger and third-party liability
- Crew coverage
- Special endorsements for unique operations
Types of Businesses That Need Commercial Aviation Insurance
- Flight Schools – Training aircraft and student pilots.
- Charter Services – Private jet charters, air taxis, sightseeing flights.
- Agricultural Operations – Crop dusting, aerial spraying.
- Aerial Survey & Photography – Real estate, mapping, cinematography.
- Cargo Operations – Regional freight and logistics flights.
Key Coverages in Commercial Aviation Insurance
1. Hull Coverage
Covers physical damage to the insured aircraft, whether in motion or not.
2. Liability Coverage
Protects against bodily injury or property damage to passengers and third parties
3. Medical Payments
Provides quick payment for passenger injuries, regardless of fault.
4. Crew Coverage
Options for pilot and crew accident protection.
5. Hangar & Premises Liability
Covers incidents on the ground, including damage to stored aircraft.
Unique Considerations for Commercial Operators
- Higher Risk Profile – More flight hours, diverse pilot experience levels, and varied operational environments.
- Regulatory Requirements – FAA mandates, commercial licensing, and safety protocols.
- Training Programs – Many carriers require recurrent training to maintain coverage.
The 2025 Market for Commercial Aviation Insurance
The market remains competitive but selective. Carriers are placing a higher emphasis on:
- Documented maintenance programs.
- Safety management systems (SMS).
- Pilot experience and training currency.
Why Choose BWI for Commercial Aviation Insurance
- 47+ Years Experience – Insuring commercial operators nationwide.
- Custom Coverage – Tailored policies for each type of operation.
- Carrier Access – Partnerships with every major commercial aviation insurer.
- Claims Advocacy – We help you through the entire claims process.
Client Example
A charter company operating five turbine aircraft was facing a premium increase due to a recent claim. BWI worked with multiple carriers, implemented additional pilot training requirements, and found a policy that reduced their renewal rate by 15%, even after the loss.
Commercial aviation insurance is a necessity for any operator. The right policy can keep your business flying and your reputation intact.
Get a customized quote today.
📞 Call 800-666-4359 or visit www.bwifly.com.
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