Flying Clubs

Have a question about Avemco's Flying Clubs 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 (Mon-Fri 8:30 a.m. – 6:00 p.m. EST). One of our aviation underwriters will be happy to assist you.

1. Does Avemco insure flying clubs?
2. How does your company define a "non-commercial" flying club?
3. Does the club need to report changes in membership?
4. Are multi-engine aircraft eligible for flying clubs?
5. Are Experimental aircraft eligible for coverage as a flying club?
6. What is the highest limit of liability coverage Avemco provides for a flying club?
7. Will the number of flying club members change the premium?
8. Will the policy cover a flying club member who sued another flying club member for injuries resulting from a covered incident in a club aircraft?

1. Q: Does Avemco insure flying clubs?
   A: Yes, Avemco offers coverage for most flying clubs that meet our non-commercial flying club guidelines.



2. Q: How does your company define a "non-commercial" flying club?
   A: A non-commercial flying club is defined as being one or more aircraft owned equally by more than five individuals, operating under by-laws, and being used for personal and not-for-profit use (see policy for definition of "commercial use"). Avemco is a primary insurer of non-commercial flying clubs in the United States.



3. Q: Does the club need to report changes in membership?
   A: One of the benefits of Avemco's flying club policy is that it allows the club great flexibility in adding and removing members during the policy year. You need only report the total club membership at policy renewal.


Return to Top


4. Q: Are multi-engine aircraft eligible for flying clubs?
   A: No. Avemco prefers that clubs operate simple, fixed gear aircraft although coverage for some complex and high performance single engine land aircraft is available.



5. Q: Are Experimental aircraft eligible for coverage as a flying club?
   A: No, Avemco requires each aircraft operated in a flying club to have a standard airworthiness certificate.



6. Q: What is the highest limit of liability coverage Avemco provides for a flying club?
   A: The highest liability limit Avemco will provide for flying clubs $100,000 Per Person Bodily Injury, $1,000,000 Property Damage and $1,000,000 per occurrence. If a flying club member would like higher limits of liability coverage, the member may purchase a non-owned aircraft policy. The non-owned aircraft policy would be excess coverage over and above the coverage provided by the flying club policy limits.


Return to Top


7. Q: Will the number of flying club members change the premium?
   A: Yes, Avemco looks at the number of active (meaning the member has flown a club aircraft in the past six months) flying club members which are broken into groups to determine the premium.



8. Q: Will the policy cover a flying club member who sued another flying club member for injuries resulting from a covered incident in a club aircraft?
   A: Yes, Avemco's policy allows for cross liability protection between flying club members subject to the terms and limitations of the policy.


Return to Top

These FAQs and answers are general in nature and are not intended to address the specific requirements of an individual's policy. These should be discussed directly with one of Avemco's trained staff. In all cases, the terms, conditions of the policy and policy endorsements will determine the outcome of a specific situation.