Whether your club has three members or 1,000, is a purely member-owned club or a hybrid, flies a 172 or one of the new Light-Sport designs, we have a policy to fit your needs.
Flying club insurance rates are influenced by many factors, but several of the most important include:
• Make and model aircraft being operated.
• Insurance coverage limits needed (aircraft value and liability limits).
• Number of members per aircraft.
• Ratings, experience, proficiency, and claim-experience of members.
• Aircraft location (hangared or tied down).
• Additional expanded coverage that may be needed to meet club requirements.
Insurance rates will depend largely upon the type of pilot certificates held by members, the amount of experience each member has in the type of aircraft to be insured, and what type aircraft is being insured.
Insurance companies will ask a variety of questions regarding safety and control matters, including:
• Type of airports (length, lights, sod or hard surface).
• Type of storage facility.
• Extent of supervision over flight operations (especially regarding student pilots).
• Club maintenance programs.
• Club required currency requirements, refresher courses and check rides.
• The club’s and an individual member’s accident history.
Remember your insurance agent is your partner. He or She can answer any questions you might have, and need you to respond completely and honestly to any questions they might have for you. To speak with an agent, please call AOPA Insurance Services at 800-622-AOPA (2672).
Even though a club may accept only the best pilots as members, it is still smart to have liability and hull insurance coverage for both the club's and the individual member's financial protection. When talking about clubs, most insurance companies consider aircraft ownership by more than three persons to be a flying club. This is important to know because as your club grows, you will need a flexible insurance policy to grow with you. New club programs, developed by AOPA Insurance Services, can accommodate clubs from three to a virtually unlimited number of pilots per plane.
Liability Insurance protects the club and its individual members from the risk that they may be sued and held legally liable for a negligent action; including the property damage and bodily injury, sustained by a nonmember whenever any of these are the result of, or arise from, the ownership, maintenance, or use of a club aircraft. Liability insurance covers the legal costs of such actions and payments (up to the maximum allowed by the policy) for which the insured would be responsible if found legally liable.
Cross-liability is coverage for club members who are passengers or bystanders when involved in an accident resulting from the actions of another club member. This coverage is not available under all insurance policies, but should be requested by the flying club, as it is this coverage that protects the club member pilot for injuries he might cause to another club member. Clubs should be aware of this coverage in this regard and either elect to include member coverage in its policy or alert members to the lack of such coverage.
Hull insurance is the protection against loss of or damage to a club's aircraft. Hull insurance is generally divided into four categories; (1) all risks ground and flight, (2) all risks ground and taxi (Note that takeoffs and landings are considered in-flight operations rather than ground operations), (3) ground not in motion only (i.e. the aircraft is not moving under its own power), and (4) no hull insurance at all.
Get the advice and respect you deserve from aviation specialists who treat you like members, not numbers. Call AOPA Insurance Services at 800.622.AOPA (2672) for a custom quote on your flying club insurance.
Supporting flying clubs is an important part of AOPA's mission to keep aviation accessible and affordable for more pilots. We make it easy to manage your club’s insurance program no matter how many aircraft or members are involved. And, whether you are an established club or planning to start a new one, AOPA Pilot Information Center is a terrific resource for information on setup, operations, costs, taxes and much more to help ensure your club's success.