Non-Owned Aircraft Insurance

Comprehensive Coverage When You Fly Aircraft You Don’t Own

Whether you're a pilot renting a plane for recreational flights, using a borrowed aircraft for instruction, or managing a flight department that occasionally leases aircraft, Non-Owned Aircraft Insurance is essential protection. While the aircraft may not be yours, the responsibility—and potential liability—for damages or injuries during operation often falls on the operator.

At Margeson Insurance Agency, we provide expertly tailored Non-Owned Aircraft Insurance solutions designed to safeguard individuals and organizations flying aircraft they do not legally own. With decades of aviation experience, we understand the unique exposures associated with these operations and craft policies that offer real peace of mind.

Aircraft Landing

What is Non-Owned Aircraft Insurance?

This specialized policy offers coverage for bodily injury, property damage, and hull damage resulting from the use of an aircraft not owned by the insured party. It bridges a critical gap in liability, ensuring you're protected while flying someone else’s aircraft—whether for business, instruction, or pleasure.

Standard policy features include:

  • Third-Party Bodily Injury and Property Damage – Protection in the event that your operation of a non-owned aircraft causes injury or damage to others.
  • Passenger Liability – Covers bodily injury to passengers on board.
  • Hull Damage Liability – Offers coverage for damage to the aircraft itself, even though you do not own it.
  • Legal Defense Costs – Includes coverage for your legal expenses in the event of a liability claim.
Airplane Wing

Additional Sublimit Coverage Options

In addition to the core protections, Non-Owned Aircraft Insurance policies can be expanded to include valuable sublimits such as:

  • Medical Payments – Covers medical expenses for you or your passengers, regardless of fault.
  • Airport Premises Liability – Protection for incidents occurring on the ground while operating at an airport.
  • Personal Baggage & Effects – Coverage for damaged or lost personal belongings during flight.
  • Charter Expense Reimbursement – Helps offset costs of alternative transportation if an aircraft becomes unavailable due to a covered event.

Why You Need This Coverage

Even if the aircraft’s owner carries insurance, that coverage may not extend to you—or it may not be sufficient to protect your personal assets in the event of an accident. Many Fixed Base Operators (FBOs), flying clubs, and flight schools require pilots to carry their own liability coverage before allowing them to operate aircraft.

Whether you’re a student pilot, flight instructor, corporate pilot, or private aviator renting for a weekend flight, Non-Owned Aircraft Insurance is a smart, affordable way to protect yourself.

Contact us today for a no-obligation risk assessment and personalized quote. Let the experts at Margeson Insurance Agency help you navigate the intricacies of aviation liability and ensure that you're covered—no matter whose aircraft you fly.

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