Coverage built for people who actually fly.
South Florida runs on general aviation — owner-flown aircraft, charters, and the businesses that keep them moving. Aviation risk is unforgiving of loose paperwork, and the standard commercial policy wants nothing to do with it. We place it with the markets that do.
What we cover
Aircraft hull and liability
Physical damage to the airframe and the liability that follows it — sized to what the aircraft is actually worth today, not what it appraised at two avionics upgrades ago, with liability limits that reflect who and what is on board.
Non-owned aviation liability
For businesses whose people charter, rent, or borrow aircraft. The owner's policy protects the owner — this is what stands behind your business when someone else's aircraft is under your people.
Hangarkeepers and premises
If aircraft that belong to other people sit in your hangar or on your ramp, their damage is your claim. Hangarkeepers coverage picks up what your general liability deliberately leaves out.
Crew, passengers, and medical
The people side of the risk — crew coverage, passenger liability, and the medical payments that keep a bad day from becoming a lawsuit.
What goes wrong
The open-pilot warranty nobody re-read
Policies pay when the pilot meets the requirements written into them — hours, ratings, type experience. A new partner flies the aircraft, the warranty is not met, and a real loss meets a denied claim.
Hull value set by memory
Stated-value coverage pays the stated value. Owners upgrade panels and interiors for years without touching the number, then discover the gap at the worst possible moment.
The charter your business never told anyone about
Executives charter to a meeting, the business assumes it is covered, and the general liability policy's aircraft exclusion says otherwise. Non-owned coverage exists precisely for this — but only if it is placed.
Tell us what you fly
Bring us the aircraft, the pilots, and how the operation actually runs. We will tell you where the program stands.
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