How does your company define a 'non-commercial' flying club?

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 (non-commercial) 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.

Are multi-engine aircraft eligible for flying clubs?

No. Avemco prefers that clubs operate simple, fixed gear aircraft although coverage for some complex and high performance single engine land aircraft is available.

What is the highest limit of liability coverage Avemco provides for a flying club?

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 individually 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.

Will the number of flying club members change the premium?

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.

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?

Yes, Avemco's policy allows for cross liability protection between flying club members subject to the terms and limitations of the policy.

OR CALL (888) 241 7891

What is Flying Club Insurance?

Flying club insurance is coverage designed for flying clubs, which are groups of pilots who jointly own or operate one or more aircraft. This allows pilots to share costs and usage rather than each member owning a plane individually. Because this aircraft is used by multiple pilots rather than a single owner, the insurance needs differ from a standard individual aircraft policy.

Avemco Flying Club insurance can give your club liability protection and optional hull coverage at non-commercial rates.

Add and subtract members without having to notify the insurance company during the policy year.
Protects against bodily injury and property damage liability claims from outside and within your flying club.
Custom-designed around the structure and needs of each club. Ask your Avemco Aviation Underwriters for details.
Save on your annual premium for flying claims-free and hangaring your club aircraft.*

Do Flying Club Members Need Renters Insurance?

Even with a club policy in place, individual pilots may still want additional protection. Avemco renters insurance can provide:

Extra liability protection beyond club limits
Coverage for deductibles or gaps in the club policy
Protection when flying aircraft outside your club

This is especially important since flying club policies have defined liability limits and exclusions.

Why Flying Clubs Choose Avemco

Liability protection for both the club and its members
Cross-liability coverage between members
Flexible membership changes during the policy term
Designed specifically for non-commercial flying clubs

Avemco is regularly considered the best resource for many flying clubs seeking group aviation coverage. Clubs come to us because our policies flex around membership changes and cross-liability needs, plus premium credits for a claims-free record. Ask your Avemco Aviation Underwriter how a custom-built policy fits your club’s structure.

OR CALL (888) 241 7891

*Premium credits apply to the Direct Approach Aircraft Insurance Policy POL0001 and are subject to underwriting guidelines.