Rotorcraft Insurance

Rotorcraft operations are among the most capable—and complex—in aviation. Low-altitude maneuvering, hover work, confined-area landings, and mission-specific equipment all shape how helicopter insurance is underwritten. With Aero Insurance, you can compare all underwriters with one application, ensuring no missed savings and coverage tailored to the way you actually fly.

From piston trainers to twin-engine turbine helicopters, our specialists—trusted by pilots for 20+ years—help secure protection matched to your airframe, mission profile, and pilot experience. With certificates on demand and proactive renewals with no surprise increases, you stay mission-ready without paperwork slowing you down.

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Who This Page Is For

This page is designed for private helicopter owners, flight schools, sightseeing and tour operators, aerial photography teams, utility and lift operators, and EMS or medevac programs. It also supports pilots transitioning into rotorcraft and fleet managers operating mixed piston and turbine helicopters. If you want less paperwork and more flying, Aero’s streamlined process delivers it.

Typical Uses We See

Helicopters are insured across a wide range of mission profiles, each with distinct underwriting considerations:

• Executive and personal transport
• Sightseeing and tour operations
• Flight training and transition instruction
• Powerline, pipeline, and infrastructure patrol
• Aerial filming, photography, and survey work
• Sling, lift, and utility operations
• Law enforcement and public safety support
• EMS and medevac transport

Key Factors That Influence Your Quote

Rotorcraft underwriting is driven by pilot proficiency, aircraft capability, and mission exposure. Common factors include:

• Pilot experience: total rotorcraft time, make and model hours, recency, turbine transition training, and ratings.
• Aircraft type: piston versus turbine, single versus twin engine, seating configuration, and installed safety systems.
• Mission profile: personal, training, sightseeing, utility, lift, or EMS operations.
• Operating environment: confined areas, remote landing zones, terrain, weather, and rooftop helipads.
• Maintenance program: OEM-compliant inspections, component tracking, HUMS usage, and overhaul cycles.
• Hull value and equipment: avionics, external loads, hoists, floats, camera systems, and mission-specific gear.
• Loss history: hard landings, incidents, and documented corrective actions.

Common Coverages for Rotorcraft

Helicopter policies are typically customized to match mission demands and equipment. Common coverages include:

• Liability: bodily injury, property damage, and passenger liability scaled to the operation type.
• Hull coverage: ground-only, ground and taxi, or full flight coverage; agreed value commonly used for turbine helicopters.
• Medical payments and search & rescue: availability varies by carrier and mission profile.
• Equipment and spares: hoists, external loads, EMS equipment, and camera systems.
• Non-owned rotorcraft: coverage for rental, training, dual given or received, and solo operations.
• Commercial operations: endorsements for filming, lift work, utility missions, and approved Part 133 or Part 135 activity.
• EMS and medevac: medical equipment, patient liability, and crew protections through specialty markets.

Compare All Rotorcraft Carriers

Pilot Training & Proficiency

Underwriters place significant weight on recency, turbine transition training, and structured recurrent instruction. Demonstrating standard operating procedures, autorotation proficiency, and make or model-specific training can unlock stronger pricing when you compare all quotes from all underwriters.

Operational Considerations

Because rotorcraft operations often involve non-standard environments, carriers review these operational details closely:

• Landing zones: rooftop helipads, confined areas, and remote sites may require detailed disclosure.
• Mission type: EMS, utility, lift, and external-load work typically require specific endorsements.
• Installed equipment: floats, wire-strike protection, external load hardware, and camera mounts.
• Maintenance practices: compliance with OEM tracking and HUMS usage can broaden market eligibility.

Cost Drivers & Ways to Save

Operators can often improve pricing and eligibility by focusing on training, storage, and documentation:

• Maintain recent time in type and complete annual recurrent training with approved schools.
• Participate in recognized rotorcraft safety programs such as FAA WINGS or IS-BAO Rotorcraft.
• Use hangar storage and secure tie-down procedures to reduce exposure.
• Document maintenance tracking and component replacement intervals thoroughly.

Popular Rotorcraft Models

We insure a wide range of helicopters—from piston models like the Robinson R22 and R44 or Schweizer 300 series, to turbine aircraft such as the Bell 206 and 407, Airbus H125 and H130, and Leonardo AW109. With Aero Insurance, you can compare every underwriter to ensure no missed savings.

Documents & Details to Have Ready

Having the following information ready helps speed up quoting and reduce follow-up:

• Pilot certificates, medical status, total and recent time, make and model hours, and training background.
• Aircraft details including N-number, year and model, rotor and engine times, avionics, and safety systems.
• Mission profile, expected routes, and landing zone characteristics.
• Maintenance tracking records and program compliance documentation.
• Information on any prior incidents, hard landings, or claims.

Ready to Protect Your Rotorcraft?

Whether you’re flying personal missions, training students, lifting external loads, or operating EMS aircraft, Aero Insurance delivers fast quotes from all carriers, proactive renewals, and a claims advocate from start to settlement. Less paperwork. More flying.

Start Your Rotorcraft Quote