Koosh Insurance · Aviation & Transportation

    Jet & Aircraft

    The pre-flight inspection that finds the discrepancy. The hangar incident that takes a tail number out of service for three months. The international trip where the policy territory ends three jurisdictions ago. Aircraft insurance is its own market — separate from automotive, separate from marine, written by specialty carriers underwriting hull values that move with the market and liability exposure that scales with passenger seats and route. The wrong policy doesn't just leave you exposed. It leaves you grounded.

    See what's covered

    Coverage

    What this coverage includes

    • Hull coverage for the aircraft itself, on a stated value or agreed value basis
    • Liability for bodily injury and property damage to passengers, third parties on the ground, and other aircraft
    • Passenger liability with per-seat or aggregate limits depending on use
    • War risk and hijacking coverage in many forms (often by endorsement)
    • Spare parts and equipment on a scheduled basis
    • Hangar coverage when the aircraft is on the ground
    • Loss of use coverage when the aircraft is unavailable due to a covered loss
    • Worldwide territory with specific exclusions for sanctioned regions and combat zones

    Who Buys This

    Who typically buys this coverage

    • Owner-operators — individuals owning aircraft for personal and business use
    • Corporate flight departments operating company-owned aircraft
    • Charter operators under FAA Part 135
    • Fractional ownership programs
    • Flight schools under FAA Part 141 or Part 61
    • Aircraft management companies operating aircraft on behalf of owners
    • High-net-worth families with multiple aircraft or unique mission profiles

    Why Koosh

    Why Koosh Insurance

    Aircraft insurance is a specialty market with limited carriers and meaningful pricing variation. Use type, pilot experience, hull value, and route profile all matter, and the wrong placement leaves coverage gaps you won't see until the claim hits.

    Specialty aviation market access — carriers that work general aviation, charter, fractional, and corporate flight departments daily.

    Use-type accuracy — personal, business, Part 135, instructional, and shared use all need correct underwriting.

    Pilot warranty management — coverage structured around the pilots actually flying the aircraft.

    International coordination — territory analysis and local-market placement for cross-border operations.

    Hangar and ground exposure — coverage for the aircraft on the ground, not just in the air.

    Value updates at modification — avionics, engine, and interior upgrades reflected immediately, not deferred.

    FAQ

    Frequently asked questions

    Agreed value pays the full policy limit on a total loss without depreciation argument. Stated value can pay the lesser of the stated amount or actual cash value. For aircraft — where market values move and depreciation calculations are contested — agreed value is the better structure when available. We default to agreed value placement.

    Depends on how the use is declared at quote. Aircraft policies are use-specific. Personal, business, charter (Part 135), and instructional all underwrite differently. Misrepresenting use is one of the most common reasons claims get denied — we make sure the declared use matches actual operations.

    Most policies include worldwide territory but exclude or sub-limit specific regions — sanctioned countries, combat zones, certain Latin American and African routes. International operations also trigger jurisdiction-specific liability requirements that may need separate placement.

    Coverage doesn't apply for flights conducted by an unapproved pilot. Pilot warranties (minimum hours, type ratings, recency, medical certification) are conditions of coverage. We structure these around your actual pilot roster and the kinds of flights you fly.

    On-the-ground exposure — fire, hangar collapse, ground handling incidents, towing damage, fueling errors. Most aircraft policies include hangar coverage on the hull, but separate hangar liability for damage to other aircraft in shared hangars is often available and worth carrying.

    Yes. Avionics upgrades, interior refurbishments, and engine overhauls all change replacement value. Stated and agreed values that don't reflect current investment leave you under-insured. We update at the point of upgrade, not at next renewal.

    Related

    Related services

    Aircraft Hangars

    Hangar property damage, liability, and operational hazards.

    Pilots & Staff

    Coverage for pilots and aviation personnel.

    Taxi Program

    Insurance for taxi services and ride-hailing businesses.

    This page provides general information about Jet & Aircraft insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Jet & Aircraft

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314