Flying Club Insurance

Avemco Flying Club insurance can give your club liability protection and optional hull coverage at non-commercial rates.

  • Add and subtract members without having to notify the insurance company during the policy year.
  • Protects against bodily injury and property damage liability claims from outside and within your flying club.
  • Custom-designed around the structure and needs of each club. Ask your Avemco Aviation Insurance Specialist for details.
  • Save on your annual premium for flying claims-free and hangaring your club aircraft.*

Have a question about Avemco's Flying Club 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.

  1. How does your company define a "non-commercial" flying club?
  2. Are multi-engine aircraft eligible for flying clubs?
  3. What is the highest limit of liability coverage Avemco provides for a flying club?
  4. Will the number of flying club members change the premium?
  5. Will the policy cover a flying club member who sues another flying club member for injuries resulting from a covered incident in a club aircraft?
 
  1. Q: How does your company define a "non-commercial" flying club?

    A: A non-commercial flying club is defined as being one or more aircraft owned equally by more than five individuals, operating under by-laws, and being used for personal (non-commercial) and not-for-profit use (see policy for definition of "commercial use"). Avemco is a primary insurer of non-commercial flying clubs in the United States.

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  2. Q: Are multi-engine aircraft eligible for flying clubs?

    A: No. Avemco prefers that clubs operate simple, fixed-gear aircraft although coverage for some complex and high-performance single-engine land aircraft is available.

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  3. Q: What is the highest limit of liability coverage Avemco provides for a flying club?

    A: The highest liability limit Avemco will provide for flying clubs $100,000 Per Person Bodily Injury, $1,000,000 Property Damage and $1,000,000 per occurrence. If a flying club member would like higher limits of liability coverage, the member may individually purchase a non-owned aircraft policy. The non-owned aircraft policy would be excess coverage over and above the coverage provided by the flying club policy limits.

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  4. Q: Will the number of flying club members change the premium?

    A: Yes, Avemco looks at the number of active (meaning the member has flown a club aircraft in the past six months) flying club members which are segmented into groups to determine the premium.

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  5. Q: Will the policy cover a flying club member who sues another flying club member for injuries resulting from a covered incident in a club aircraft?

    A: Yes, Avemco's policy allows for cross-liability protection between flying club members subject to the terms and limitations of the policy.

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These FAQs and answers are general in nature and are not intended to address the specific requirements of an individual's policy. These should be discussed directly with one of Avemco's trained staff. In all cases, the terms, conditions of the policy and policy endorsements will determine the outcome of a specific situation.
*Premium credits apply to the Direct Approach Aircraft Insurance Policy POL0001 and are subject to underwriting guidelines.