Insurance for Aviation & Aerospace Operations
From aircraft owners to aviation businesses, we help protect your assets, your operations, and your exposure in a highly specialized industry.
Introduction
Aviation and aerospace operations come with a unique set of risks where precision, safety, and regulatory compliance are critical.
From aircraft ownership and maintenance to commercial aviation operations and aerospace services, even small gaps in coverage can lead to significant financial exposure.
At Coughlin Insurance, we work with aviation clients across Canada to build insurance programs that reflect how operations actually run. Whether you own a single aircraft, operate a charter business, or support the aviation industry through maintenance or services, we help ensure your coverage is structured properly and aligned with your risk profile.
What We Cover
We provide tailored insurance solutions for aviation and aerospace operations, including:
- Aircraft Hull & Liability Insurance
- Commercial General Liability
- Passenger Liability
- Hangar & Ground Operations Liability
- Products & Completed Operations Liability
- Aviation Business Insurance (FBOs, maintenance, service providers)
- Umbrella & Excess Liability
Who We Work With
We support a wide range of aviation and aerospace clients, including:
- Private aircraft owners
- Charter and commercial aviation operators
- Flight schools and training organizations
- Maintenance, repair, and overhaul (MRO) providers
- Fixed-base operators (FBOs)
- Aerospace service and support businesses
From individual ownership to more complex aviation operations, we structure coverage that aligns with your level of exposure.
Common Risks & Considerations
Aviation insurance requires specialized knowledge and careful structuring. Key considerations include:
- Aircraft value and replacement cost
- Passenger liability exposure
- Operational use (private, commercial, charter, training)
- Maintenance and servicing risks
- Regulatory compliance and aviation standards
- Ground operations and hangar liability
- International or cross-border exposure
Ensuring your insurance reflects how your aircraft or business is actually used is critical to avoiding gaps.
Operational Areas We Consider
A strong aviation insurance program needs to reflect the full scope of your operation, including:
- Aircraft type, usage, and value
- Pilot qualifications and experience
- Maintenance procedures and standards
- Operational geography (domestic vs international)
- Business operations tied to aviation services
- Storage, hangaring, and ground handling
We take a practical approach to understanding your aviation risk so your coverage aligns accordingly.
Why Choose Coughlin Insurance?
We understand that aviation is a highly specialized space — and your insurance program needs to reflect that.
- Access to specialized aviation insurance markets
- Experience working with aviation and aerospace risks
- Ability to structure coverage for both private and commercial operations
- Practical advice aligned with regulatory and operational realities
- Ongoing support as your aviation exposure evolves
Frequently Asked Questions
What does aviation insurance cover?
It typically includes aircraft damage (hull), liability for injury or property damage, and additional coverage depending on operations.
Is aviation insurance required in Canada?
Yes — liability coverage is required, with limits depending on aircraft type and usage.
Does pilot experience impact insurance?
Yes — pilot qualifications, hours, and training play a significant role in underwriting.
Can aviation businesses get bundled coverage?
Yes — policies can be structured to include aircraft, liability, and operational risks.
Contact our aviation team
Let’s build coverage that protects your aircraft, your operations, and your exposure.
