Ground Risk Hull Insurance
Protection for your aircraft while it is on the ground—whether parked, stored, or taxiing—designed to match your aircraft value and exposure.
Ground risk hull insurance protects your aircraft from physical damage while it is on the ground. This includes when the aircraft is parked, stored in a hangar, or taxiing—depending on how the policy is structured. With Aero Insurance, you can see all quotes from all carriers with only one application—so there are no missed savings and no hidden coverage gaps.
For aircraft owners who are not actively flying—or who want to limit in-flight exposure—ground risk coverage can be a practical and cost-effective solution. Our team—trusted by pilots for 20+ years—helps you evaluate when this type of coverage makes sense and ensures your aircraft remains properly protected.
If you’re exploring how aircraft coverage is structured, these resources can help: coverage explained, in-flight hull insurance, and public liability.
Who This Coverage Is For
Aircraft owners who have limited or no current flight activity, including aircraft in storage, under maintenance, or between operations. It’s also useful for owners looking to reduce premiums while still protecting their aircraft from ground-related risks.
What Ground Risk Hull Insurance Covers
This coverage protects against physical damage to your aircraft while it is on the ground. Depending on the policy type, coverage may include:
- Parked aircraft: damage while stored in a hangar or tied down.
- Taxiing: coverage while moving on the ground (if included in the policy).
- Weather-related events: wind, hail, storms, and other environmental risks.
- Ground incidents: collisions, handling damage, or accidents on the ground.
- Agreed value: protection based on a pre-determined aircraft value.
Ground Not In Motion vs. Ground In Motion
Ground risk coverage is typically divided into two options:
- Ground Not In Motion: covers the aircraft only while it is stationary. This is often the most affordable option and is commonly used for stored aircraft.
- Ground In Motion: extends coverage to include taxiing and movement on the ground, offering broader protection for aircraft that are still being repositioned or maintained.
Key Factors That Influence Your Quote
Ground risk hull insurance is typically more affordable than full in-flight coverage, but pricing still depends on several factors:
- Aircraft value: higher values increase potential exposure.
- Storage type: hangared aircraft generally present lower risk than those tied down outdoors.
- Location: weather exposure, airport conditions, and geographic risks.
- Aircraft condition: maintenance status and overall condition.
- Usage: whether the aircraft is completely inactive or occasionally moved.
When Ground Risk Coverage Makes Sense
- Aircraft is in storage or not currently flying
- Undergoing maintenance or upgrades
- Between ownership, sale, or operational changes
- Reducing insurance costs while maintaining protection
What Ground Risk Coverage Does NOT Include
Ground risk hull insurance does not cover damage that occurs during flight. If you plan to operate your aircraft, you will need to transition to in-flight hull insurance or a full aircraft insurance policy.
Documents To Prepare For Faster Quotes
- Aircraft make, model, and year
- Current aircraft value
- Storage location and type (hangar or tied down)
- Maintenance status
- Prior insurance and loss history
Ready To Protect Your Aircraft On The Ground?
Whether your aircraft is stored, maintained, or temporarily inactive, Aero Insurance helps you compare every carrier in minutes. Get expert guidance, proactive renewals, and fast quoting—so your aircraft stays protected, even when it’s not flying.
Get My Ground Risk Quote