Core Coverages for Helicopters

Hull Coverage

Hull coverage protects the physical structure of your helicopter. This includes damage caused by collisions, severe weather, theft, vandalism, or ground accidents. Depending on your policy, coverage may apply while the helicopter is in flight, on the ground, or during maintenance. Because helicopters are a significant financial investment, hull insurance is essential for mitigating repair or replacement costs.

Third-Party Liability Coverage

Third-party liability insurance covers bodily injury and property damage caused to people or property outside of the helicopter. This includes damages to buildings, vehicles, or bystanders in the event of an accident. Without this coverage, owners may be personally responsible for significant legal and financial consequences.

Passenger Liability Insurance

Passenger liability coverage is designed to protect the aircraft owner or operator from claims resulting from injuries or fatalities sustained by passengers. This coverage helps pay for medical expenses, legal fees, and settlements. It is especially important for helicopters used for business purposes or charter flights where passengers are routinely on board.