NAFI CFI Insurance Program
Only National Association of Flight Instructors (NAFI) members get the advantages of the NAFI CFI Insurance Program.
You have the option to save on your premium by only purchasing coverage for the class of aircraft in which you instruct including*:
- Single-engine Land & Light Sport
- Multi-engine Land
- Seaplane
- Experimental Amateur-Built including Experimental Light Sport
- UAS
- Liability coverage for past instruction as long as you have an active policy in force at the time of the accident.
- Liability coverage for instruction, flight reviews, check rides and your personal flying.
- Lower premiums offered for NAFI members holding a current NAFI Master CFI accreditation.
- Save up to 15% on your annual premium *
NAFI CFI Insurance Program Rates and Options
Avemco designed the NAFI CFI Insurance Program so that members can customize their policies based on the class of aircraft in which they instruct. Options are available for instruction in:
- ASEL (Airplane Single-Engine Land)
- SLSA (Special Light Sport Airplane)
- ASES (Airplane Single-Engine Sea)
- AMEL (Airplane Multi-Engine Land)
- ELSA (Experimental Light Sport Airplane)
- Amateur Built
Note: Actual premiums will be higher in Florida, Kentucky, New Jersey and West Virginia due to additional charges assessed in those states. If you are a Kentucky resident, please contact us at (888) 241 7891 for a quotation as our online quote system cannot calculate the various local government taxes assessed in your state.
Click on the pricing option below for rates based on your particular product needs:
Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required)
| Each Person | Property Damage | Each Accident | ASEL, SLSA | ASEL, SLSA, plus ASES, AMEL | ASEL, SLSA, plus ELSA, Amateur Built | ASEL, SLSA, plus ASES,AMEL, ELSA, Amateur Built |
| $25,000 | $250,000 | $250,000 | $160 | $190 | $190 | $215 |
| $50,000 | $500,000 | $500,000 | $260 | $300 | $300 | $335 |
| $100,000 | $500,000 | $500,000 | $425 | $480 | $480 | $535 |
| $100,000 | $1,000,000 | $1,000,000 | $510 | $580 | $580 | $645 |
Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $70 | $50,000 | $550 |
| $5,000 | $135 | $55,000 | $610 |
| $10,000 | $170 | $60,000 | $620 |
| $15,000 | $230 | $65,000 | $665 |
| $20,000 | $245 | $70,000 | $745 |
| $25,000 | $305 | $75,000 | $800 |
| $30,000 | $340 | $80,000 | $820 |
| $35,000 | $400 | $100,000 | $1,025 |
| $40,000 | $455 | $150,000 | $1,540 |
| $45,000 | $570 | ||
Rotorcraft Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required) Premuim for 48 states, does not include AK or HI
| Each Person | Property Damage | Each Accident | ASEL, SLSA, Rotorcraft | ASEL, SLSA, plus ASES, AMEL, Rotorcraft | ASEL, SLSA, plus ELSA, Amateur Built, Rotorcraft | ASEL, SLSA, plus ASES, AMEL, ELSA, Amateur Built, Rotorcraft |
| $25,000 | $250,000 | $250,000 | $435 | $460 | $460 | $485 |
| $50,000 | $500,000 | $500,000 | $705 | $740 | $740 | $775 |
| $100,000 | $500,000 | $500,000 | $1,155 | $1,205 | $1,205 | $1,255 |
| $100,000 | $1,000,000 | $1,000,000 | $1,395 | $1,455 | $1,455 | $1,515 |
| $200,000 | $1,000,000 | $1,000,000 | $3,000 | $3,075 | $3,075 | $3,150 |
Rotorcraft Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $180 | $50,000 | $1,500 |
| $5,000 | $360 | $55,000 | $1,620 |
| $10,000 | $465 | $60,000 | $1,680 |
| $15,000 | $630 | $65,000 | $1,815 |
| $20,000 | $660 | $70,000 | $2,025 |
| $25,000 | $825 | $75,000 | $2,175 |
| $30,000 | $930 | $80,000 | $2,235 |
| $35,000 | $1,095 | $100,000 | $2,775 |
| $40,000 | $1,245 | $150,000 | $4,200 |
| $45,000 | $1395 | ||
Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required)
| Each Person | Property Damage | Each Accident | ASEL, SLSA | ASEL, SLSA, plus ASES, AMEL | ASEL, SLSA, plus ELSA, Amateur Built | ASEL, SLSA, plus ASES, AMEL, ELSA, Amateur Built |
| $25,000 | $250,000 | $250,000 | $240 | $276 | $276 | $325 |
| $50,000 | $500,000 | $500,000 | $325 | $375 | $375 | $440 |
| $100,000 | $500,000 | $500,000 | $600 | $690 | $690 | $810 |
| $100,000 | $1,000,000 | $1,000,000 | $815 | $940 | $940 | $1,100 |
Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $120 | $50,000 | $1,000 |
| $5,000 | $240 | $55,000 | $1,080 |
| $10,000 | $310 | $60,000 | $1,120 |
| $15,000 | $420 | $65,000 | $1,210 |
| $20,000 | $440 | $70,000 | $1,350 |
| $25,000 | $550 | $75,000 | $1,450 |
| $30,000 | $620 | $80,000 | $1,490 |
| $35,000 | $730 | $100,000 | $1,850 |
| $40,000 | $830 | $150,000 | $2,800 |
| $45,000 | $930 | ||
Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required)
| Each Person | Property Damage | Each Accident | ASEL, SLSA | ASEL, SLSA, plus ASES, AMEL | ASEL, SLSA, plus ELSA, Amateur Built | ASEL, SLSA, plus ASES, AMEL, ELSA, Amateur Built |
| $25,000 | $250,000 | $250,000 | $135 | $160 | $160 | $190 |
| $50,000 | $500,000 | $500,000 | $210 | $250 | $250 | $260 |
| $100,000 | $500,000 | $500,000 | $340 | $395 | $395 | $450 |
| $100,000 | $1,000,000 | $1,000,000 | $415 | $480 | $480 | $545 |
Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $70 | $50,000 | $550 |
| $5,000 | $135 | $55,000 | $610 |
| $10,000 | $170 | $60,000 | $620 |
| $15,000 | $230 | $65,000 | $665 |
| $20,000 | $245 | $70,000 | $745 |
| $25,000 | $305 | $75,000 | $800 |
| $30,000 | $340 | $80,000 | $820 |
| $35,000 | $400 | $100,000 | $1,025 |
| $40,000 | $455 | $150,000 | $1,540 |
| $45,000 | $570 | ||
Rotorcraft Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required) Premuim for 48 states, does not include AK or HI
| Each Person | Property Damage | Each Accident | ASEL, SLSA, Rotorcraft | ASEL, SLSA, plus ASES, AMEL, Rotorcraft | ASEL, SLSA, plus ELSA, Amateur Built, Rotorcraft | ASEL, SLSA, plus ASES, AMEL, ELSA, Amateur Built, Rotorcraft |
| $25,000 | $250,000 | $250,000 | $360 | $385 | $385 | $410 |
| $50,000 | $500,000 | $500,000 | $570 | $605 | $605 | $640 |
| $100,000 | $500,000 | $500,000 | $930 | $980 | $980 | $1,030 |
| $100,000 | $1,000,000 | $1,000,000 | $1,125 | $1,185 | $1,185 | $1,245 |
| $200,000 | $1,000,000 | $1,000,000 | $2,250 | $2,325 | $2,325 | $2,400 |
Rotorcraft Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $120 | $50,000 | $1,000 |
| $5,000 | $240 | $55,000 | $1,080 |
| $10,000 | $310 | $60,000 | $1,120 |
| $15,000 | $420 | $65,000 | $1,210 |
| $20,000 | $440 | $70,000 | $1,350 |
| $25,000 | $550 | $75,000 | $1,450 |
| $30,000 | $620 | $80,000 | $1,490 |
| $35,000 | $730 | $100,000 | $1,850 |
| $40,000 | $830 | $150,000 | $2,800 |
| $45,000 | $930 | ||
Standard Bodily Injury and Property Damage Liability Limits and Annual Rates (required)
| Each Person | Property Damage | Each Accident | ASEL, SLSA | ASEL, SLSA, plus ASES, AMEL | ASEL, SLSA, plus ELSA, Amateur Built | ASEL, SLSA, plus ASES, AMEL, ELSA, Amateur Built |
| $25,000 | $250,000 | $250,000 | $200 | $235 | $235 | $285 |
| $50,000 | $500,000 | $500,000 | $265 | $310 | $310 | $375 |
| $100,000 | $500,000 | $500,000 | $485 | $570 | $570 | $685 |
| $100,000 | $1,000,000 | $1,000,000 | $660 | $780 | $780 | $930 |
Aircraft Damage Liability Limits and Annual Rates (optional)
| Limit | Premium | Limit | Premium |
| $1,000 | $120 | $50,000 | $1,000 |
| $5,000 | $240 | $55,000 | $1,080 |
| $10,000 | $310 | $60,000 | $1,120 |
| $15,000 | $420 | $65,000 | $1,210 |
| $20,000 | $440 | $70,000 | $1,350 |
| $25,000 | $550 | $75,000 | $1,450 |
| $30,000 | $620 | $80,000 | $1,490 |
| $35,000 | $730 | $100,000 | $1,850 |
| $40,000 | $830 | $150,000 | $2,800 |
| $45,000 | $930 | ||
Have a question about Avemco's NAFI CFI insurance?
Browse through our list of frequently asked questions below. If you still can't find the answer you're looking for, contact us at (888) 241 7891 (M-F 9:00 am to 6:00 pm Eastern). One of our aviation underwriters will be happy to assist you.
- I would like to give instruction in my own plane. Does the Avemco CFI Renter's policy cover me when I provide instruction in my own aircraft?
- I am a CFI and work for a local FBO. What liability coverage should I get to protect myself?
- I have been contracted to provide instruction in another person's airplane. Will the owner's insurance policy offer me liability protection if he names me as an approved pilot on that airplane?
- Does the Avemco NAFI CFI Non-Owned policy cover me for claims asserting that I did not instruct someone properly?
- I want to borrow a friend's airplane and give dual flight instruction. What coverage do you recommend I get?
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Q: I would like to give instruction in my own plane. Does the Avemco CFI Renter's policy cover me when I provide instruction in my own aircraft?
A: No. The CFI Non-Owned Aircraft Insurance Policy only provides coverage when instructing in a "non-owned aircraft," as defined in the policy. However, Avemco does offer a product if you instruct on a part-time basis in your own aircraft. Click here for more information on the Avemco CFI Owned Insurance program.
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Q: I am a CFI and work for a local FBO. What liability coverage should I get to protect myself?
A: Unless you are absolutely sure you have coverage under the FBO's policy, and that the FBO's policy is in force, you should protect yourself by purchasing a non-owned aircraft policy with a CFI Endorsement (click here to review the CFI Endorsement). Since different people have different needs, there is no standard recommended amount of liability coverage you should carry. You need to consider factors such as your personal assets, earnings, the liability limits you carry on your other insurance policies such as auto or homeowners, whom you carry as passengers, and how much insurance you can afford or that is available, among others. Obviously, buying the most coverage you can afford and that is available is your safest bet.
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Q: I have been contracted to provide instruction in another person's airplane. Will the owner's insurance policy offer me liability protection if he names me as an approved pilot on that airplane?
A: No. Your being named as an approved pilot on their policy keeps their coverage in force when you operate their aircraft but does not automatically extend coverage to you. To do that you can purchase a CFI Non-Owned policy.
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Q: Does the Avemco NAFI CFI Non-Owned policy cover me for claims asserting that I did not instruct someone properly?
A: Yes. The policy provides liability coverage for past instruction as long as you have an active policy in force with Avemco at the time of the accident.
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Q: I want to borrow a friend's airplane and give dual flight instruction. What coverage do you recommend I get?
A: You would need a CFI Non-Owned Aircraft Insurance Policy. In addition to Bodily Injury and Property Damage Liability coverage, you should purchase Aircraft Damage Liability in an amount that will cover the value of your friend's aircraft. Your friend should understand, however, that your use of their aircraft to give flight instruction will likely void their coverage unless that instruction is agreed to by their insurer.
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