US General Aviation

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We understand the unique needs of the aviation industry in the United States with more than 35 years of service to the aviation insurance market.

We are offer support and capacity to a variety of General Aviation products, ranging from large Part 135 air carriers and Part 91 owner/operators to aviationrelated product manufacturers, fixed-base operations (FBOs) and their ancillary services.

Specialist aviation expertise with seamless support

Sompo’s specialized team of aviation underwriters carefully monitor changes in the market in order to provide creative solutions addressing our client’s risks and exposures.

We align ourselves closely with our trusted distribution partners to offer our valued clients the highest level of service and support. Our risk control experts work diligently with clients, brokers, underwriting teams, skilled engineers and loss control vendors to provide customized risk management and loss control services that minimize potential losses.

We also have an in-house claims team with extensive industry and product knowledge, available to offer efficient service, timely responses and fast payment of covered claims - if the need arises.

Coverage features

We provide general aviation insurance solutions for aircraft owners and operators, air carriers, manufacturers, and fixed-base operations, covering liability, hull, and related aviation risks.

Product Capacity Limit and values appetite

Aircraft

Up to $200M available for Liability and $25M for Hull, but typically focusing on programs with <$50M limits

For quota shares, will consider total policy limits higher than $50M with line share <$50M and per the appetite limits outlined below:

Fixed wing aircraft

Pleasure & business (owner flown):

  • Piston aircraft: Liab: 2M / Hull: 2M  
  • Turbine aircraft: Liab: 5M / Hull: 5M  

Industrial aid (pro flown)  

  • Piston aircraft: Liab: 2M / Hull: 2M  
  • Turbine aircraft: Liab: 50M / Hull: 10M  

Commercial (excl. instruction and rental)  

  • Piston aircraft: Liab: 5M / Hull: 2M  
  • Turbine aircraft: Liab: 50M / Hull: 10M  

Instruction and rental  

  • Piston aircraft: Liab: 1M / 100k / Hull: 1M  
  • Turbine aircraft: limited appetite

Rotor wing aircraft

Pleasure & business (owner flown)  

  • Piston aircraft: Liab: 1M / Hull: 1M
  • Turbine aircraft: Liab: 5M / Hull: 3M  

Industrial aid (pro flown)  

  • Piston aircraft: Liab: 2M / Hull: 1M  
  • Turbine aircraft: Liab: 5M / Hull: 3M  

Commercial (excl. instruction and rental)  

  • Piston aircraft: Liab: 2M / Hull: 1M  
  • Turbine aircraft: Liab: 5M / Hull: 3M  

Instruction and rental  

  • Piston aircraft: Liab: 1M / 100k / Hull: 1M  
  • Turbine aircraft: limited appetite  

Liability coverage for unmanned aerial vehicles

Up to $5M for  Liability

  • Pleasure & Business and Commercial Ops up to $5M for Liability
  • Up to $1M for Hulls

Excess Aircraft Liability

Up to $200M, but typically focusing  on programs with <$25M limits

  • Fixed wing only: Minimum primary liability of $5M, and maximum $25M
  • Excess provided with primary coverage written through another carrier

Commercial General Liability

Up to $200M, but typically focusing  on programs with <$50M limits

Airport liability and commercial general liability (CGL) 

Focus on programs w <$50M limits; for quota shares, will consider total policy limits higher than $50M with line share <$50M

CGL for fixed-base operators (FBOs)  
Majority Piston R&S/Fuel - $5M and Majority Turbine R&S/Fuel - $50M

Non-owned Aircraft Liability 

Up to $200M available,  but typically focusing  on programs with <$25M limits

  • Focus on corporate non-owned; limited appetite for charter brokers; no appetite for personal non-owned for pilots

Aircraft Products Liability

Up to $200M available, but typically focusing on <$50M limits

  • For quota shares, will consider total policy limits higher than $50M with line share <$50M
  • No major aircraft and engine manufacturers (e.g., Cessna, Boeing, Honeywell, etc.) - refer to Sompo London Aviation team for coverage

Products out of appetite for Sompo US General Aviation

  • Property - refer to Sompo Commercial Property team for coverage availability
  • Workers’ Compensation, Standalone War Coverage, Foreign Contingent Exposures, Airlines 

Why choose our US General Aviation for your aviation insurance needs? 

  • In-house claims and risk control professionals
  • Admitted and Non-Admitted (Admitted policies are available in all 50 states, Washington D.C., Puerto Rico and the U.S. Virgin Islands)
  • Flight Line Plus online broker platform offerings: Aircraft Hull & Liability, General Liability for hangars, and UAV Liability 

Flight Line Plus Broker Portal

Flight Line Plus is our online tool for enrolled brokers to quote, bind and manage coverage for qualified light piston P&B aircraft, hangars (General Liability only) and UAVs. Flight Line Plus product offerings include Aircraft Hull & Liability, General Liability for hangars and UAV Liability.

Experts

For more information and to find the risk solution that best fits your needs in the Aviation industry, speak to our experts.

Aviation coverage that travels

Are you looking for aviation coverage that spans borders and continents? Speak to our Multinational experts about a convenient, consistent approach to accessing global coverage that is compliant with local regulations.