Coverage

General Liability Application

Aviation General Liability (AGL) is very similar to Commercial General Liability (CGL) as it will provide coverage if a 3rd party is injured on your property or by your actions. AGL policies are necessary because most commercial general liability policies will not cover aviation-related exposures. AGL policies are typically sold to aviation businesses that operate on airport property and can include product liability coverage and completed operations if desired.

Another component of AGL policies that can be added is Hangarkeepers Limited Liability coverage (or HKLL). Similar to Garagekeepers in a CGL policy, Hangarkeepers is when you take Care, Custody, or Control of a 3rd-party aircraft. If your business involves working on aircraft, moving aircraft, or storing aircraft, this may be a coverage you need to consider.

Aircraft Hull & Liability

Aircraft Hull insurance covers losses arising from the physical damage to the aircraft hull due to various perils (for example, prop strikes, Foreign Object Damage [FOD Loss], hard landings, collisions, etc).

Aircraft Liability insurance covers the aircraft owner/operator for 3rd Party property damage and bodily injury liability (for example, 3rd party passenger injury, aircraft collisions with non-owned hangar, mid-air collision with another aircraft, etc.)

Aviation Products Liability

Product Liability protects the manufacturer against 3rd party legal liability arising from damage or injury caused as a result of a failure of their product.

or assembling aircraft parts or other aviation products, you’ll want to consider this coverage as it covers the liability you could incur after completing a project.

Aviation Equipment Floater (Inland Marine)/Property

Similar to the difference between Aviation General Liability policies and Commercial General liability policies (see our GL page), Aviation Auto, Inland Marine and Property policies exist because standard commercial and personal auto, inland marine, and property policies do not cover any exposures that exist on airport premises.

If your business operates on an airport and you own the building or if you own the hangar where you store your aircraft, you’ll want to consider purchasing an aviation property policy to insure the structure itself.

Likewise, if you drive your vehicle inside the fence line of an airport or Aircraft Operating Area (AOA), you’ll want to consider purchasing an aviation auto policy as most standard auto policies exclude coverage while driving inside the AOA.

Finally, Inland Marine insurance covers equipment, tools and other movable property that you use at a job site, store in a warehouse or hangar, or transport over land. This can include tools, lawn mowers, UTVs, spare engines, engine lifts, etc.

Helicopter Hull & Liability

Rotor-wing Hull insurance covers losses arising from the physical damage to the rotor-wing hull due to various perils (for example, prop strikes, Foreign Object Damage [FOD Loss], hard landings, collisions, etc).

Rotor-wing Liability insurance covers the rotor-wing owner/operator for 3rd Party property damage and bodily injury liability (for example, 3rd party passenger injury,rotor-wing collisions with non-owned hangar, mid-air collision with another rotor-wing, etc.)

Aviation Workers Compensation

Aviation Worker’s Compensation covers the medical costs, lost wages, and employer liability for any of the employees of your business who work with aircraft (pilots, mechanics, etc.) or who work on airport premises.

Aviation Auto

Similar to the difference between Aviation General Liability policies and Commercial General liability policies (see our GL page), Aviation Auto, Inland Marine and Property policies exist because standard commercial and personal auto, inland marine, and property policies do not cover any exposures that exist on airport premises.

If your business operates on an airport and you own the building or if you own the hangar where you store your aircraft, you’ll want to consider purchasing an aviation property policy to insure the structure itself.

Likewise, if you drive your vehicle inside the fence line of an airport or Aircraft Operating Area (AOA), you’ll want to consider purchasing an aviation auto policy as most standard auto policies exclude coverage while driving inside the AOA.

Finally, Inland Marine insurance covers equipment, tools and other movable property that you use at a job site, store in a warehouse or hangar, or transport over land. This can include tools, lawn mowers, UTVs, spare engines, engine lifts, etc.

Airshow & Special Events

Whether you are the airport authority or the organizer of the event, a separate policy will likely be necessary as most Airport Liability or Aviation General Liability policies specifically exclude coverage for Airshows, Air Meets, or other special events.

Special Event policies are intended to provide coverage for bodily injury and property damage caused by the Named Insured. At an Airshow, this primarily covers slips, trips, and falls incidents on the event premises.

To ensure that your policy is not “first dollar” for exposures created by others, it is important to make sure that vendors, participants, and suppliers carry their own liability insurance policy and endorse the air show as an additional insured. 

Storage Tank & Site Pollution Liability

Aviation Pollution

A Storage Tank policy provides coverage for cleanup costs, transportation and waste disposal, and corrective actions to meet state/federal regulations at a tank owner’s facility due to release/seepage/discharge from scheduled tanks on the policy. Coverage is also provided for 3rd party bodily injury and property damage claims emanating from schedule tanks on the policy.

Space & Satellite Insurance

Let us leverage our network of global connections in the Aerospace and Space sector to find the best possible solution for your space customer.

Risks

  • Satellite Manufacturers
  • Satellite Owner Operators
  • Launch Service Providers
  • Satellite Users
  • Satellite and Launch Vehicle Component Manufacturers

Coverages

  • Space Products Liability
  • Launch Liability
  • Re-entry Liability
  • Launch + 1 year
  • In Orbit
  • Marine Cargo/ Inland Marine
  • Contingent Business Interruption

Contact TITAN Specialty Markets today for more information

Airport Liability

Airport liability is a type of insurance coverage designed to protect airports from financial losses arising from liabilities associated with their operations. Airports are fast-moving, complex facilities and managing one can be a complex challenge with numerous risks, including aircraft accidents, property damage, bodily injury to passengers or employees, and third-party liabilities such as damage to neighboring properties.

Airport liability insurance can help protect against the financial risks associated with their operations and ensure they can meet their obligations in the event of accidents or incidents. The coverage limits and specific terms of the insurance policy can vary depending on the size of the airport, and its operations.

Airport Liability policies often include various coverages directly applicable to airport operations, including:

  • General Liability Insurance
  • Premises Insurance
  • Products Insurance
  • Hangarkeepers Insurance
  • Mobile Equipment Insurance
  • War & Allied Perils Insurance

Defense Base Act (DBA)

Defense Base Act (DBA)

Our network of underwriters can secure the most competitive DBA coverage in the market for your OCONUS defense contractors operating anywhere in the world.

From flight crews to the commissary, from armed security to construction we’ll find you the most competitive option available in the marketplace.

Other Insurance

Other Insurance

TITAN Specialty Markets can assemble a coverage solution for many other areas within the aviation industry including, but not limited to:

  • Cyber Liability
  • Directors and Officers
  • Crime
  • Builder’s Risk
  • Defense Base Act (DBA) Insurance


Please contact TITAN Specialty Markets for more information on any of these areas

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Mr. Wagner brings with him over 20 years of commercial aviation insurance underwriting and program administration experience with some of the most respected names in the aviation insurance marketplace, including AIG and Old Republic Aerospace. He is a 1996 graduate of the University of Georgia’s Risk Management and Insurance program. He was part of the original team at TITAN Specialty Markts where he currently holds responsibility for overseeing TITAN’s carrier relations and placement strategy.

Michael Clark has over 20 years of insurance industry experience almost all of it spent as a senior executive within the aviation and aerospace sector. He has served as the Head of the Aviation and Aerospace Business Unit at QBE where he and his team founded the Aviation Division in 2011, in a 50/50 Joint Venture with QBE’s Aerospace Syndicate at Lloyd’s of London, and quickly turned the business unit into one of the largest and most profitable underwriters in the global aviation insurance marketplace. Prior to QBE, he served for 10 years as a Senior Vice President at Old Republic Aerospace, where he led the Special Risk Division, overseeing a multidisciplinary team and a portfolio of specialty aerospace business in excess of $50,000,000 USD in annual revenue. He is a former U.S. Marine and an aviation enthusiast.