Helicopter Service Insurance

Running a helicopter service comes with thrills—and serious risks. Helicopter service insurance offers comprehensive protection against aircraft damage, liability for injuries, property damage, and operational claims. With helicopter service insurance in place, you're financially covered if an incident involves passengers, cargo, or third-party property.

General Liability for Helicopter Services

The most basic business insurance you should have is general liability. If a customer is injured while using your helicopter services, or if they think you're at fault for damage to their property, they'll expect you to pay reparations. Whether it's medical bills, lost wages because they're off work from their injuries, or replacing destroyed property, those costs add up. And thankfully, general liability takes care of them so you won't have to.

Let's look at an example. You're landing and your helicopter's wash damages your client's prize-winning garden. This insurance helps pay to repair the damage caused. And if they sue you, it covers your legal defense and settlement costs too.

Business Owner's Policy (BOP) for Helicopter Services

A BOP is multiple types of coverage bundled into one policy. It has your basic general liability, and adds protection for your tangible business property too. It also provides for income losses when business is temporarily interrupted.
Every physical asset your company owns is tangible property. This includes your helicopters of course, but also hangers, office furniture, computers, maintenance equipment, all of it. If a storm floods your office, or a lightening storm causes a fire to break out, your business property may be damaged or destroyed. Instead of having to face replacing expensive items on your own, your BOP policy does it for you.

Excess Liability for Helicopter Services

Insurance policies have claim limits. That means the policy will pay up to a specified amount in damages only. If a big event happens, it can quickly exhaust your base policy. Excess liability can step in at that point and cover the rest for you. If you don't carry this coverage, you'd be facing the prospect of paying all the overages yourself.

For instance, if one of your helicopters had a malfunction and crashed with passengers on board, you'll be facing many lawsuits at once. Once your base liability coverage is exhausted, the extended coverage will kick in for what remains.

Professional Liability Insurance for Helicopter Services

When a professional services company makes a mistake, the fallout can be quite expensive.

Professional liability insurance is the answer to that risk. It's also known as Errors and Omissions (E&O) because it's for when you make mistakes. Mistakes create lawsuits.

Suppose a client alleges your pilot's navigational error caused a delivery delay, leading to substantial financial losses. When they sue your company, professional liability pays for your legal experts, court costs, and settlements.

Workers Comp Insurance for Helicopter Services

While flying helicopters is exciting, and running a helicopter services business is too, you need employees to keep it thriving. Employees come with risks though. It's easy to accidentally injure yourself in any job, but sometimes injuries have long-term consequences. When the injury is bad enough, an employee may spend months recuperating, unable to earn a living. Workers' comp pays for that. It pays lost wages, medical bills, recovery expenses, and anything else related to the workplace injury.

For example, if a helicopter mechanic gets hurt while conducting maintenance, workers comp pays medical bills and wage replacement. When the injuries are life changing, it pays for retraining as well.

Helicopter Service Safe Practices

Always give your aircraft and gear a regular once-over—don’t wait for something to break.
Keep your training sharp. Even seasoned pilots need refreshers to stay on point.
Talk clearly and often. Good comms can make or break a flight.
Do a full pre-flight check every time, and don’t skip the weather scan—clouds can fool you.
Stay in the loop on FAA updates and what the pros are doing—it’ll keep you flying smart.

Why Choose USA Insurance

For 19 years we've specialized in tailoring coverage specifically for helicopter businesses like yours, and understanding your unique risks inside-out. We're licensed nationwide, and we blend local agency care with national strength from our base in Burbank, CA. Benefit from:

We can issue policies fast in all 50 states.
You'll get a plan customized for aviation services.
You get convenient payment options.
Our proactive renewals secure competitive rates as prices rise in the future.
Affordable, comprehensive coverage solutions.

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FAQs

How much is helicopter service insurance?

Your rate is custom to you and your business.

How can I buy helicopter service insurance?

You're welcome to call us, or you can use our online form. Whichever you'd prefer.

What is an additional insured endorsement?

It extends your liability protection to other parties, like clients or contractors, involved in your operations.

What is a certificate of insurance?

It’s proof of your insurance coverage, often required by clients or regulatory bodies.

How can I save on business insurance in my state?

Improve safety measures, bundle policies, maintain good claim history, and compare rates annually.