Turbine Aircraft Insurance

Turbine Aircraft—turboprops and jets—deliver speed, range, and reliability, but they also carry higher hull values, more complex systems, and stricter training and maintenance expectations. Underwriters focus on crew qualifications, formal recurrent training, operational standards, and maintenance programs to tailor terms, limits, and endorsements for your exact mission profile.

Who This Page Is For

Owner-operators and corporate flight departments flying turboprops and light to large-cabin jets for Part 91 business use, as well as select Part 135 operations where eligible and endorsed.

Typical Uses We See

Executive travel, regional and transcontinental business trips, medical/compassion transport, and occasional international legs requiring overwater capability, RVSM, and advanced avionics integration.

Key Factors That Influence Your Quote

• Crew Qualifications: PIC/SIC total time and time-in-type, instrument proficiency, and recent experience (last 12 months).
• Formal Training: completion of approved initial/recurrent courses; simulator-based training is often preferred or required.
• Operations & Mission: typical stage lengths, airports served, IFR usage, night operations, overwater/international routing, and RVSM usage.
• Maintenance Program: adherence to manufacturer programs, engine/APU MSP-like plans, computerized tracking, and documented inspections.
• Airframe & Avionics: pressurization, anti-ice/FIKI, autopilot & coupled approaches, TAWS/TCAS, WAAS/LPV, radar, and datalink weather.
• Hull Value & Finance: higher hull values drive limit requirements and lender/lessor endorsements (e.g., breach of warranty, additional insured).
• Loss History: claim records for aircraft and crew, including remedial training or safety management actions taken.

Common Coverages for Turbine Aircraft

• High-Limit Liability: aligned to seating, passenger exposure, and corporate requirements; optional waivers of subrogation & primary/non-contributory wording.
• Agreed Value Hull: protects against depreciation disputes; deductible structures scaled to hull value.
• Crew Coverage: PIC/SIC liability and medical payments where available.
• Extra Expense & Loss of Use: to mitigate operational disruption after a covered loss.
• International & Overwater Endorsements: navigation limits and territorial extensions tailored to your routes.
• Lender/Lessor Requirements: breach-of-warranty, loss payee, and evidence of insurance issuance.

Crew Standards & Training

Underwriters typically expect type-appropriate initial and annual recurrent training for all flight crew, with documented checkrides or proficiency checks. For owner-flown turbine Aircraft, insurers may require mentor time, supervised PIC hours, or SIC support during an initial period. Training currency and SOPs/SMS documentation can improve pricing and broaden market options.

Operational Considerations

• IFR/RVSM: equipage and approvals should be current; autopilot and altitude alerting enhance risk profiles.
• Overwater & International: survival gear, HF/SATCOM where applicable, and country-specific insurance/indemnity requirements should be disclosed.
• Weather & Terrain: use of radar, datalink, and TAWS/EGPWS; typical alternates and performance planning at high/hot fields.
• Airports Served: runway lengths, contamination planning, and special authorization procedures where required.

Turboprops vs. Jets

Turboprops (e.g., pressurized singles and twin turboprops) offer short-field capability and efficiency—often appealing for regional business missions. Jets add speed and range but may require higher crew experience, simulator training, and stricter maintenance oversight. Both categories benefit from rigorous SOPs and documented risk management.

Cost Drivers & Ways to Optimize

• Maintain current simulator-based recurrent training for all crew; keep certificates on file.
• Track maintenance with recognized programs and document compliance and times remaining.
• Choose liability limits that reflect passenger exposure, lender requirements, and corporate policies.
• Standardize procedures (SOPs), conduct line checks, and participate in safety programs to strengthen the risk profile.

Documents & Details to Have Ready

• Pilot résumés with total time, time-in-type, and recent experience; training certificates and medicals.
• Aircraft specs: year/model, engines/APU status, avionics suite, required approvals (IFR/RVSM/overwater), and safety systems.
• Maintenance program summaries, tracking reports, and hangar/operations base information.
• Finance/lease details (if applicable) and any prior loss history.

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Ready to Get a Quote?

Tell us about your aircraft, crew, and routes. We’ll align coverage, limits, and endorsements to how you actually fly—domestic or international.

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