There are additional insurance items that may affect your business. Some of these are covered by broad policy forms; others need to be purchased separately. Call our office for more information about such coverage.
Hangars and Offices
We offer comprehensive property insurance solutions for hangars, offices and other non-aviation property. We understand the challenge of property insurance in the Southeastern U.S., so we work with a broad array of undewriters to get the best available rates. We can also cover your moving equipment such as fuel trucks, tugs and maintenance equipment as it works around the airport. Please contact us with the details on your airport property so we can get started.
Fuel Trucks and Tanks
Fuel trucks and fuel storage tanks should be insured against damage and theft, as well as against any damage generated by the fuel itself. We have solutions to insure both tanks and contents, as well as pollution liability and on-premises vehicle and equipment liability. Often, less-experienced agents will forget to insure the fuel that is in your trucks and tanks against loss or contamination. Contact us and we'll help you check your policy for this important coverage.
Both Site and Tank Pollution liability coverage are available. Most of the time, storage tank pollution liability provides adequate protection, if both fuel trucks and fuel are also adequately insured. The premium savings can be as much as 90%, but it's critical that you have the right kind of pollution coverage for your fueling operation. Contact us for a thorough review of your pollution liability needs.
Commercial vehicles can include service trucks, as well as courtesy or rental cars available at an FBO. The on-premises auto coverage (part of your airport liability policy) and the business auto coverage that covers the vehicle on public roadways have to work together or you can wind up drastically over-insured in one area and dangerously under-insured in the other. And don't forget garage keeper's coverage for your parking lot! We can help you make sense of these and other tricky areas of coverage, just contact us for details.
Air Ambulance Operations
Air Ambulance operations have seen increased losses and rapidly changing premiums. We have programs for governmental and independent air ambulance operators, as well as for hospital helipads and chartered medical transport. We also work with Night Flight Concepts, a leading authority in sales, service and training for night vision goggle operations to keep your air crews and passengers safe in all weather conditions. Contact our office for an on-site review of your air ambulance operation.
Aviation Product Liability
Aviation product liability can be purchased as part of an airport liability policy or as a separate policy for airframe or component manufacturers. We have experience with all types of aviation product liability policies, including airframe, engine and kit aircraft manufacturers and overhaulers. We're ready to place your product liability risk, just give us a call.
Law Enforcement Aviation
Law enforcement aircraft are typically used for traffic patrol, pursuit, emergency response and prisoner transport. Since law enforcement enjoys an excellent overall safety record, preferred rates are available. Many of our competitors don't fully understand the special risks and underwriting concerns this kind of coverage requires. As members of the Airborne Law Enforcement Association (A.L.E.A.) you can be confident that we know law enforcement and we understand your budget constraints and chain of command. Now that Unmanned Aerial Vehicles (UAVs) are becoming more available, we have special programs for UAV insurance, including hull coverage for the UAV itself. Contact us so we can schedule a visit to your police department, sheriff's department, municipal or state police aviation department.
Workers' Compensation coverage protects your employees or others in the event that they are injured while acting on your behalf. It is closely regulated, and claims that are or should be covered by workers' compensation are not covered by other policies. Part-time, contract and seasonal employees can further complicate the matter. Be sure you have a workers' compensation expert on your side, or you could face a costly audit or state fine. We have several programs, including the NATA, Cessna Affiliates' and NBAA workers' comp programs. Contact us for a careful evaluation of your workers' compensation needs.