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?

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.

I am a CFI and work for a local FBO. What liability coverage should I get to protect myself?

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.

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?

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.

Does the Avemco NAFI CFI Non-Owned policy cover me for claims asserting that I did not instruct someone properly?

Yes. The policy provides liability coverage for past instruction as long as you have an active policy inforce at the time of the accident.

I want to borrow a friend's airplane and give dual flight instruction. What coverage do you recommend I get?

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.

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:

CFI
Master CFI

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

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

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

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

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

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

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

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

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

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

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?

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.

Return to Top

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.

Return to Top

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.

Return to Top

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.

Return to Top

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.

Return to Top

OR CALL (888) 241 7891

*The NAFI CFI Insurance Program is underwritten by Avemco Insurance Company. The Program is not available in Alaska or Hawaii. Online quotations are not available to Kentucky residents (due to state tax requirements). Non-owned aircraft policies are available to individuals, not businesses. Employers who request additional insured status may be added to the policy (additional premium may apply) if your employer is not engaged in an aviation business. For employers that are engaged in an aviation business please call (888) 241 7891 for additional information. Premium credits apply to the Direct Approach Non-Owned Aircraft Insurance Policy POL0002 and are subject to underwriting guidelines.