HL
Hull & physical damage
All-risk cover for your aircraft in motion and not in motion, with agreed value and deductible reviewed before quotation.
Aircraft insurance specialists • Bermuda & BCAA
Aircraft insurance built around your aircraft, pilots and real risk.
Specialist aviation insurance for aircraft on the Bermuda register (VP-B prefix). We arrange hull, liability, CSL and crew cover for business jets, turboprops and managed fleets — structured for owners, trustees and operators of high-value assets.
High-value assetsAgreed-value hull and worldwide liability for business aircraft.
Structured coverBuilt around owners, trustees, lessors and operators.
Claims supportAssistance when you need to file or manage a claim.
Specialist aviation cover
Aircraft insurance should not be a generic product.
Every aircraft insurance quote depends on far more than the hull value. aviation underwriters review the make and model, how the aircraft is used, where it is based, the pilots' certificates and ratings, recent flight experience and claims history, and whether the aircraft is flown privately, commercially, by a club or by several pilots.
Our job is to turn those details into a clean submission that the major aviation markets can price properly — and to arrange the strongest possible cover for your individual risk.
EH
Engine hull cover
Cover for sudden engine damage and stoppage — often the single most expensive claim an aircraft can face.
LI
Liability & CSL
Third-party and Combined Single Limit cover, including smooth CSL with no per-seat passenger sublimit.
PL
Passenger liability
Cover for bodily injury to passengers carried aboard your aircraft, standalone or within a CSL policy.
FN
Financier & lessor cover
Protection for financiers and lessors named on the policy, standard on high-value financed or leased business aircraft.
PA
Pilot & passenger accident
Personal accident cover for pilots and passengers, including loss of medical / loss of licence benefits.
GP
GAP cover
Pays the shortfall between a hull settlement and the loan or lease balance still owed after a total loss.
FI
Flight instructor (CFI) liability
Protection for instructors teaching in aircraft they do not own — separate from the owner's or club's policy.
FC
Flying clubs & fleets
Group and fleet contracts for clubs, partnerships and co-ownership, with named or open-pilot warranty terms.
AH
Airfield & hangar liability
Premises and ground-risk liability for airports, FBOs, hangars and clubs.
AB
Aerobatic & air show
Specialist cover for aerobatic, competition and display flying, rated for the higher demands of the discipline.
NO
Non-owned & renter
Cover for pilots flying rented or borrowed aircraft, protecting against damage and liability exposure.
Aircraft we insure
Cover for every kind of aircraft.
From a Cessna 172 to a turbine helicopter or a light jet, each aircraft carries its own risk profile and is rated on its own terms. We arrange insurance for private and commercial operators across all of them.
Single-engine pistonCessna, Piper, Cirrus and similar
Multi-engine pistonTwins and light multi aircraft
TurbopropTBM, PC-12, King Air and similar
Jet insuranceLight, mid and business jets
HelicopterPiston and turbine rotorcraft
Experimental / homebuiltAmateur-built and kit aircraft
Light-sport (LSA)Sport pilots and LSA owners
Warbird & vintageClassic, antique and warbird aircraft
A fair rating system
We assess the real risk — and price it fairly.
Many owners never learn how an aviation premium is actually set. US underwriters weigh three things above all: the aircraft, the pilot, and how the two come together in real operations. A well-maintained aircraft, flown by an experienced and well-trained pilot, earns a better rate.
Professional crew, type ratings, recurrent simulator training and a clean claims history all influence the terms. We make sure those are reflected in your quote.
A
Your aircraft
Make, model, hull value, equipment and use all feed the assessment.
P
You as a pilot
Certificates, ratings, total time, time in type and recent experience count.
F
The operation
How and where you fly, and your training and claims history, shape the rate.
Bermuda · BCAA registry
Insurance for Bermuda-registered aircraft.
Bermuda operates one of the oldest and most respected offshore aircraft registries (VP-B and VR- marks), widely used for business jets and for commercial aircraft held under lease structures. The Bermuda Civil Aviation Authority oversees airworthiness to high international standards.
Insurance for Bermuda-registered aircraft is placed on the international market, structured for owners, lessors and operators, with high worldwide liability limits and agreed-value hull cover. Leased commercial aircraft on the register carry insurance aligned with the lease and the operating airline's requirements.
VP
Bermuda VP-B registry
A long-established registry for business jets and leased commercial aircraft.
HV
High-value hull
Agreed-value hull cover for high-value private and commercial aircraft.
LS
Lease structures
Cover aligned with lease agreements, lessors and operating airlines.
One point of contact
Request specialist adviceInsured through the major markets — handled by one specialist.
We work with the major aviation insurance markets, so you get the right cover without shopping it yourself. You deal with a single point of contact across submission, binding and claims. When something goes wrong, proper claims handling matters as much as the premium — so the aim is cover you understand before a loss, and a service that responds straight away when it happens.
FAQ
Aircraft insurance questions
Is insurance required for a Bermuda registered aircraft?
Yes. Aircraft on the Bermuda register carry insurance appropriate to their value and use, structured around owners, lessors and operators. Business jets carry worldwide liability and agreed-value hull cover; leased commercial aircraft carry insurance aligned with the lease and the operating airline's requirements.
How does insurance work for a financed or leased aircraft?
Where a business aircraft is financed or leased, the financier or lessor is named on the policy and will require agreed-value hull cover and protection that responds even if a policy condition is breached. This is standard on high-value business aircraft. Tell us about any finance or lease when you request a quote.
What is the difference between hull and liability insurance?
Hull insurance covers physical damage to your own aircraft, in motion and not in motion. Liability insurance covers injury or property damage you cause to third parties and, where included, to passengers. Most US policies combine both.
What does Combined Single Limit (CSL) mean?
A Combined Single Limit policy provides one overall liability limit covering both passenger injury and third-party bodily injury or property damage, instead of a per-seat sublimit. A smooth CSL with no passenger sublimit is the broadest common structure in US general aviation.
How are aircraft insurance premiums calculated for Bermuda-registered aircraft?
Underwriters review the aircraft make, model and hull value; the pilot's certificates and ratings; total time, time in type and time in the last 12 months; training and claims history; intended use; and where the aircraft is based. Experienced, well-trained pilots in lower-risk aircraft receive better rates.
Can the policy cover owners, trustees and operators together?
Yes. Aircraft on offshore registries are often held through trust or corporate structures, with a separate professional operator. Cover can name the owner, any trustee, lessors and the operator as insured or interested parties, so everyone with an interest in the aircraft is protected. Tell us the ownership structure when you request a quote.
Can flying clubs and multiple pilots be insured under one policy?
Yes. Flying clubs, partnerships and co-ownership groups can be insured under one policy with named-pilot or open-pilot warranty provisions, with cover extended to each qualifying pilot.
Do flight instructors need their own liability cover?
Certificated flight instructors carry liability exposure when teaching in aircraft they do not own. CFI liability insurance protects the instructor during instruction, separate from the owner's or club's policy.
How does professional crew affect the premium?
Favourably. Business aircraft flown by professional, type-rated crew with recurrent simulator training generally attract better terms. Underwriters look closely at crew experience, type ratings and training currency, so providing full crew details when you request a quote helps secure the best terms.
Does the policy provide worldwide cover?
Yes. Business aircraft on offshore registries are typically insured on a worldwide basis, with liability limits to match global operations. Specific regions may carry particular terms, so confirm your operating area when you request a quote.
The personal touch
A specialist answers the phone — not a machine.
Questions about a policy, or want a no-obligation quote? Reach our team by phone or email.
Claims assistance available when you need it