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Who insures it · 5 named markets · read 2026-10-28

Who insures Aviation (hull, airports, FBOs)?

Aviation (hull, airports, FBOs) is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Aviation (hull, airports, FBOs): Global Aerospace, Old Republic Aerospace, Kinsale Insurance, Prime Insurance Company, Avemco Insurance Company. 2 MGAs, 2 E&S carriers, 1 admitted carrier. 2 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Global Aerospace
MGA
Airport and ground handler insurance (general liability, premises, products, hangarkeepers, mobile equipment, war) for small to mid-size airports and complex operations, plus separate FBO policies and general aviation hull and liability.
“Our policies protect small to mid-size airports and some of the most complex operations in the world”
not statednot statedglobal-aero.com · read 2026-10-28
Old Republic Aerospace
MGA
Airport liability (including War and TRIA) for commercial and general aviation airport owners and operators, and governmental/municipal aircraft.
“Old Republic Aerospace a premier insurer of governmental / municipal aircraft and airports.”
U.S. and Canadanot statedoraerospace.com · read 2026-10-28
Kinsale Insurance
E&S carrier
Aircraft hull and liability (primary, excess or quota share) for private, corporate and commercial operations and flying clubs, including harder-to-place older aircraft and pilots; hangarkeepers, grounding, aviation GL and products; airport liability application.
“Aircraft Hull and Liability on a primary, excess, or quota share basis”
all 50 states plus DC, PR and USVISurplus lineskinsaleins.com · read 2026-10-28
Prime Insurance Company
E&S carrier
Aviation liability, hull and physical property coverage for many aircraft types, commercial and private operations, plus hangar liability for hangar and airfield owners and operators.
“Liability, hull, and physical property coverage have been provided for many types of aircraft”
all 50 statesSurplus linesprimeis.com · read 2026-10-28
Avemco Insurance Company
Admitted carrier
Direct writer of owner-flown aircraft insurance for single and multi-engine piston aircraft, seaplanes, gliders and experimental aircraft (owners, renters, student pilots, CFIs, flying clubs).
“Insures single and multi-engine piston aircraft, land and seaplanes, gliders, and experimental aircraft”
licensed in all 50 states and DCnot statedavemco.com · read 2026-10-28

RT Specialty (wholesaler) also lists 'Airports and FBOs (Fixed Base Operators)' at https://rtspecialty.com/product/aviation/. Starr, AIG, AXA XL and Tokio Marine HCC aviation URLs tried returned 404; Phoenix Aviation Managers' domain did not resolve; Berkley Aviation redirects to berkley.com.

How Aviation (hull, airports, FBOs) gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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