What Helicopter Insurance 101

Core Coverages for Helicopters

Helicopter insurance typically includes several core coverages designed to protect owners and operators from common risks. These may include:

Hull Insurance: Covers physical damage to the helicopter due to collisions, weather events, or theft.
Liability Insurance: Provides protection against third-party claims for property damage or bodily injury resulting from your helicopter’s operation.
Passenger Liability: Specifically covers medical expenses and legal claims arising from injuries to passengers.
Ground Risk Coverage: Protects your helicopter while it is parked, stored, or undergoing maintenance.

Depending on your specific operations, you may want to enhance your policy with additional coverage options such as:

Loss of Use Coverage: Offers compensation for lost income while the helicopter is out of service for repairs.
Medical Payments: Covers immediate medical costs for injuries regardless of fault.
War and Terrorism Coverage: Insures against damage resulting from hostile acts or political unrest.
Commercial Use Endorsements: Necessary for helicopters used in aerial photography, agriculture, tourism, or emergency services.

While helicopter insurance is comprehensive, there are some common exclusions to be aware of:

Wear and Tear: Routine maintenance issues and gradual deterioration are not covered.
Unauthorized Use: If the helicopter is flown by an unapproved or unlicensed pilot, coverage may be void.
Illegal Activities: Any damage or loss resulting from illegal use or activities is excluded.
Unreported Modifications: Changes made to the helicopter without notifying the insurer may lead to denied claims.