Corporate & Part 91 Aircraft Insurance

Corporate and Part 91 operations support private, business, and executive travel without holding out for hire. These aircraft are commonly operated by corporations, partnerships, or private entities to support internal travel needs. Proper corporate aircraft insurance ensures owners and operators are protected across non-commercial flight operations.

Insuring a corporate or Part 91 aircraft involves more than aircraft type alone. Underwriters evaluate ownership structure, pilot qualifications, aircraft utilization, operating regions, and how the aircraft supports business activities. Coverage must accurately reflect non-commercial use and regulatory compliance.

With Aero Insurance, you can compare all available quotes from every major aviation underwriter using one streamlined application. This approach helps eliminate coverage gaps and ensures your policy is built around your operation—not a generic template.

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Who Corporate & Part 91 Insurance Is For

This coverage is designed for corporations, privately held companies, partnerships, aircraft owners, and family offices operating aircraft exclusively under Part 91. Policies can be structured for single aircraft or multi-aircraft corporate fleets.

Typical Corporate and Part 91 Operations

Corporate aircraft are commonly insured for executive travel, internal business transportation, owner-operated flights, training and proficiency flights, and occasional personal use. Common operations include:

• Executive and business travel
• Internal corporate transportation
• Owner-operated private flights
• Training, checkout, and proficiency flights
• Domestic and limited international travel

Key Factors That Affect Corporate Aircraft Insurance Rates

Aviation underwriters evaluate several core factors when determining eligibility and pricing for corporate and Part 91 insurance:

• Pilot experience: total flight time, time in type, recent experience, and recurrent training.
• Aircraft characteristics: hull value, performance, complexity, and safety features.
• Utilization: annual flight hours and typical mission profiles.
• Ownership structure: individual, corporate, partnership, or trust ownership.
• Operating environment: destinations, weather exposure, and international travel.
• Claims history: prior aviation-related losses.

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Common Coverages for Corporate & Part 91 Operations

Most corporate aircraft insurance policies are built using a combination of the following coverage components:

• Aircraft liability insurance: bodily injury and property damage, including passenger liability.
• Hull insurance: physical damage coverage for the aircraft during ground and flight operations.
• Passenger liability: coverage appropriate for executive and guest passengers.
• Medical payments: coverage for passenger and occupant medical expenses.
• Non-owned aircraft insurance: protection for leased or managed aircraft.
• Equipment coverage: protection for installed avionics and onboard equipment.

Pilot Qualifications and Training Considerations

Pilot training, currency, and operational discipline play a major role in underwriting decisions. Insurers typically favor operators who maintain recurrent training, standardized procedures, and documented safety practices.

Managing Costs and Improving Eligibility

Corporate and Part 91 operators can often improve eligibility and control premiums by:

• Maintaining experienced and well-trained flight crews
• Documenting training, procedures, and safety practices
• Selecting liability limits aligned with passenger exposure
• Maintaining a strong safety and compliance record

Corporate Aircraft Types

Insurance considerations vary based on aircraft type and mission profile. Turboprops, light jets, midsize jets, and large cabin aircraft each present unique underwriting considerations.

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Managed Aircraft and Contract Pilots

Operators using aircraft management companies or contract pilots should ensure coverage reflects shared responsibilities and operational control. Proper policy structure helps avoid gaps between owner, operator, and pilot coverage.

Information to Have Ready

Having the following information available helps streamline the quoting process:

• Pilot qualifications, training records, and experience summaries
• Aircraft details, configuration, and utilization estimates
• Ownership structure and management arrangements
• Prior loss history, if applicable

Get Coverage Built Around Your Operation

Aero Insurance provides one application, access to every major aviation underwriter, fast renewals, and expert claims advocacy. Whether you operate a single corporate aircraft or a multi-aircraft business fleet, we help keep the insurance process clear and efficient.

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