Aviation Insurance

Flying offers freedom, but it also comes with risks that require specialized protection. Standard policies don’t cover aircraft — you need aviators insurance designed to safeguard your plane, passengers, and liability exposure.

Insurance Tailored To You

From private pilots to general aviation operators, Dorsey Insurance Agency provides tailored coverage backed by decades of experience.

Everything You Need To Know About Aviation Insurance

At Dorsey Insurance Agency, we’ve been trusted insurance advisors since 1946. As independent aviation insurance brokers, we compare policies across multiple carriers to secure the best aviation insurance for your needs. Whether you own a private airplane, operate in general aviation, or need coverage for a hangar, our team delivers the right protection at the right price.

What Is Aviation Insurance?

So, what is aviation insurance? Simply put, it’s a policy designed to cover aircraft, aviation operations, and the risks that come with flying. Unlike auto or homeowners insurance, aviation policies address the unique exposures faced by pilots, owners, and operators. Depending on your needs, coverage can protect your plane, passengers, and even airport facilities.

What Does Airplane Insurance Cover?

Airplane insurance — sometimes referred to as personal airplane insurance or private airplane insurance — can be customized to fit your situation. Common protections include:

Aviation Liability Insurance – Covers bodily injury or property damage caused to others while operating your aircraft.
Aviation General Liability Insurance – Protects aviation businesses and operators against lawsuits tied to aviation activities.
Aviation Hull Insurance – Pays for repair or replacement if your plane is damaged on the ground or in flight.
Medical Payments – Helps cover costs for passengers injured while aboard.
Airplane Hangar Insurance – Covers your aircraft and equipment while stored in a hangar.

What Types of Aviation Insurance Are Available?

There are many types of aviation insurance, including:

General Aviation Insurance – For private pilots and non-commercial aircraft.
Commercial Aviation Policies – For charter, flight schools, or rental operations.
Specialty Policies – For helicopters, experimental aircraft, or drones.

Our team will walk you through which policy type fits your aircraft, operations, and risk profile.

Is Airplane Insurance Required?

A common question is: “Is airplane insurance required?” In the U.S., federal law does not mandate it for private aircraft. However, most lenders, airports, and hangars do require proof of insurance for airplanes. Beyond requirements, coverage is highly recommended to avoid devastating financial loss after an accident, liability claim, or natural disaster.

Benefits of Having the Right Coverage

Protect your aircraft investment from damage or loss.
Shield yourself from liability lawsuits and medical expenses.
Meet airport, hangar, and lender insurance requirements.
Gain peace of mind knowing you’re protected every time you fly.

Risks of Not Having Coverage

Without airplane insurance, you may face:

Paying out of pocket for costly repairs or a total loss.
Liability for injuries or property damage.
Denial of hangar space without airplane hangar insurance.
Financial hardship if an accident occurs in the air or on the ground.

How We Help You Find the Right Policy

At Dorsey Insurance Agency, our process is built around your needs:

Assess Your Risks – We learn about your aircraft, flying habits, and budget.
Compare Options – As independent aviation insurance brokers, we shop multiple carriers to find the most competitive rates.
Tailor Your Coverage – From aviation liability insurance to aviation hull insurance, we recommend the policy that fits your situation best.

With nearly 80 years of experience, our team makes it easy to secure the right insurance for aviation — so you can focus on enjoying your time in the sky.