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.
Most pilots don’t realize that flying a helicopter they don’t own leaves them fully liable for:
- Damage to the aircraft
- Bodily injury to passengers or third parties
- Legal defense if a claim is filed
And while flight schools and owners may carry insurance for their aircraft, those policies often do not cover you.
At BWI, we specialize in non-owned rotor-wing insurance policies that protect renter pilots, CFIs, and part-time operators flying piston or turbine rotorcraft they don’t own. These policies are fast, affordable, and offer peace of mind from your first flight to your final logbook entry.
Why Pilots Trust BWI for Non-Owned Helicopter Insurance
- 40+ years of aviation insurance experience
- Over 700 5-star Google reviews from real pilots and instructors
- Nationwide policies for piston and turbine rotorcraft
- Same-day coverage is often available
- Instant policy documents and proof of insurance
- Custom policies for student pilots, CFIs, and renters
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
If your name isn’t on the aircraft title—and the school or owner isn’t explicitly naming you on their policy—you’re likely flying uncovered.
What Non-Owned Rotor-wing Insurance Covers
Coverage includes:
- 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
These policies follow you, not the aircraft—so you’re protected across multiple rentals, checkouts, and students.
Real Non-Owned Rotorcraft Insurance Rates
Here are real-world pricing examples:
Liability Coverage (Annual Premium):
- $250,000 / $25,000: $289/year
- $500,000 / $50,000: $376/year
- $1,000,000 / $100,000: $741/year
Aircraft Damage Liability:
- $25,000 limit: $602/year
- $50,000 limit: $1,467/year
- $100,000 limit: $2,655/year
- $200,000 limit: $5,403/year
Deductible Reimbursement:
- $5,000: $124/year
- $25,000: $648/year
Medical Payments:
- $5,000: $186/year
- $10,000: $376/year
These policies can be fully customized. Whether you fly once a month or every day—we’ll help you quote it right.
Common Questions About Non-Owned Rotor-wing Coverage
Q: Isn’t the flight school’s insurance enough? No. Most flight school policies protect the aircraft and the school—not the renter or instructor.
Q: Can student pilots get this coverage? Absolutely. We specialize in policies for students training in the R22, R44, or other piston rotorcraft.
Q: Does this cover aircraft damage if I crash during instruction? Yes. If you’re flying as PIC or providing dual, damage to the non-owned helicopter can be covered up to the limit you select.
Q: Do I need to be a commercial pilot to get coverage? No. Coverage is available for student, private, and commercial pilots.
Q: Can I use this coverage for multiple aircraft or schools? Yes. Your policy follows you, not the aircraft. You’re covered at any school or rental operation that meets the policy terms.
Q: Can I get coverage today? In most cases, yes. We can bind coverage and issue proof of insurance the same day.
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’re renting once, flying full-time, or just starting training, we’ll ensure you’re covered.
Get a Non-Owned Rotor-wing Insurance Quote Today
Call (800) 666-4359 or click below to request your custom quote.
GET NON-OWNED ROTOR-WING INSURANCE
