Charter & Part 135 Insurance

Charter and Part 135 operations provide on-demand air transportation for passengers, cargo, and specialized missions under FAA commercial operating authority. These operations often involve higher utilization, passenger exposure, and regulatory oversight. Proper Part 135 insurance ensures operators are protected across every phase of commercial flight.

Insuring a Part 135 aircraft involves more than aircraft type alone. Underwriters evaluate operating authority, pilot qualifications, training programs, mission profiles, passenger volume, and compliance history. Coverage must accurately reflect how the aircraft is used in daily charter operations.

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 charter certificate—not a generic template.

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Who Charter & Part 135 Insurance Is For

This coverage is designed for on-demand charter operators, air taxi services, cargo charter operators, and companies holding FAA Part 135 operating authority. Policies can be structured for single-aircraft operators or multi-aircraft fleets.

Typical Charter & Part 135 Operations

Part 135 aircraft are commonly insured for on-demand passenger charter, business and executive travel, cargo and freight transport, contract flying, and specialized charter missions. Common operations include:

• On-demand passenger charter flights
• Air taxi and business travel
• Cargo and freight operations
• Contract and ad-hoc charter missions
• Domestic and international Part 135 operations

Key Factors That Affect Part 135 Insurance Rates

Aviation underwriters evaluate several core factors when determining eligibility and pricing for Part 135 insurance:

• Pilot experience: total flight time, time in type, recent experience, and Part 135 qualifications.
• Training programs: initial and recurrent training, checkrides, and documented procedures.
• Operating authority: certificate status, compliance record, and management structure.
• Aircraft characteristics: hull value, performance, configuration, and safety equipment.
• Utilization: annual flight hours, passenger volume, and mission frequency.
• Claims history: prior aviation or passenger-related losses.

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Common Coverages for Charter & Part 135 Operations

Most Part 135 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 flight and ground operations.
• Passenger liability: coverage reflecting commercial charter exposure.
• Medical payments: coverage for passenger and occupant medical expenses.
• Non-owned aircraft insurance: protection for leased or contract aircraft.
• Equipment coverage: protection for installed avionics and onboard equipment.

Pilot Qualifications and Training Considerations

Pilot training, experience, and operational discipline play a major role in underwriting decisions. Insurers typically favor operators with structured Part 135 training programs, documented procedures, and ongoing regulatory compliance.

Managing Costs and Improving Eligibility

Charter and Part 135 operators can often improve eligibility and manage premiums by:

• Maintaining experienced, Part 135-qualified pilots
• Documenting training, manuals, and safety practices
• Matching liability limits to passenger and mission exposure
• Maintaining a strong compliance and safety record

Charter Aircraft Types

Insurance considerations vary based on aircraft type and mission profile. Single-engine, multi-engine, turboprop, and jet aircraft each present unique underwriting considerations related to performance, passenger capacity, and utilization.

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International and Specialized Charter Operations

International flights, high-utilization schedules, and specialized Part 135 missions should always be disclosed during the insurance process. Insurers may require documentation of routes, training, and operating authority.

Information to Have Ready

Having the following information available helps streamline the quoting process:

• Pilot qualifications, Part 135 training records, and experience summaries
• Aircraft details, configuration, and utilization estimates
• Operating authority documentation and mission profiles
• Prior loss history, if applicable

Get Coverage Built Around Your Certificate

Aero Insurance provides one application, access to every major aviation underwriter, fast renewals, and expert claims advocacy. Whether you operate a single-aircraft Part 135 certificate or a growing charter fleet, we help keep the insurance process clear and efficient.

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