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Flight Instructor Insurance: Cost & Quotes From $50/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Flight Instructors   1.1. Add-Ons to  General Liability Insurance for Flight Instructors1.2. Do I Need General Liability Insurance if I Teach at a Flight School?2. Errors and Omissions Insurance for Flight Instructors2.1. Add-Ons to  Errors and Omissions Insurance for Flight Instructors  2.2. Are There Any Limitations in Errors and Omissions Insurance That  Flight Instructors Should Be Aware Of?3. Commercial Property Insurance for Flight Instructors3.1. Add-Ons to Commercial Property Insurance for Flight Instructors3.2. What Happens if My Aircraft Is Damaged Beyond Repair?4. Business Owner's Policy for Flight Instructors 4.1. Add-Ons to Business Owner's Policy for Flight Instructors 4.2. What Types of Businesses Can Benefit From a BOP?5. Tools and Equipment Insurance for Flight Instructors5.1. Add-Ons to Tools and Equipment Insurance for Flight Instructors5.2. How Do I Determine the Amount of Coverage I Need for My Tools and Equipment?6. Workers Compensation Insurance for Flight Instructors6.1. Is This Insurance Required by Law for Flight Instructors?7. Excess Liability Insurance for Flight Instructors7.1. Do I Need Excess Liability Insurance if I Already Have General Liability Insurance?8. Cyber Liability Insurance for Flight Instructors 8.1. Add-Ons to  Cyber Liability Insurance for Flight Instructors  9. Flight Instructor Insurance Cost10. Best Flight Instructor Insurance Companies 10.1. NEXT Flight Instructor Insurance  10.1.1. Pros10.1.2. Cons10.2. CoverWallet Flight Instructor Insurance  10.2.1. Pros10.2.2. Cons10.3. The Hartford Flight Instructor Insurance  10.3.1. Pros10.3.2. Cons10.4. Tivly Flight Instructor Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Flight Instructor Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Flight Instructor Insurance 10.6.1. Pros10.6.2. Cons10.7. AOPA Flight Instructor Insurance  10.7.1. Pros10.7.2. Cons

As a flight instructor, you play a critical role in training and mentoring aspiring pilots. But accidents can happen even to the most experienced professionals. That's why it's important to protect yourself and your business with flight instructor insurance.

In this guide, we will explore different insurance policies available for flight instructors, the cost of each policy, and some of the best insurance companies for flight instructors.

General Liability Insurance for Flight Instructors


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit$2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit$100,000
$100,000$5,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included


General liability insurance is a type of insurance that provides coverage for third-party claims. As a flight instructor, this policy is essential in protecting you against lawsuits resulting from accidents that occur during flight instruction. This flight instructor insurance typically covers:

  • Bodily injury–If a student or third party sustains an injury during a flight lesson, general liability insurance will cover the medical expenses

  • Property damage–If you damage someone else's property during a flight lesson, general liability insurance will cover the repair or replacement costs


Coverage limits for general liability insurance typically range from $100,000 to $1 million.

Add-Ons to General Liability Insurance for Flight Instructors

  • Non-owned aircraft liability coverage–This covers claims arising from the use of aircraft that you don't own

  • Aircraft damage liability coverage–This provides coverage for damage caused to the aircraft during flight instruction activities


The Certified flight instructor insurance can also be available for flight instructors who have obtained certification from the Federal aviation administration (FAA). This insurance offers additional benefits or discounts for certified flight instructors.


Do I Need General Liability Insurance if I Teach at a Flight School?

Different flight schools have their own flight instructor liability insurance policies, but it's still a good idea to have your own general liability insurance for protection in case the flight school's policy doesn't provide enough coverage.


Errors and Omissions Insurance for Flight Instructors


CoverWalletNEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


Errors and omissions insurance, also known as professional liability insurance, provides coverage for cases resulting from alleged errors or omissions in your professional services. This policy is essential in protecting you against lawsuits resulting from mistakes made during flight instruction.

The coverage limits range from $150,000 to $1 million, but higher limits may be also available. Errors and omissions insurance can help in specific situations such as:

  • A student argues that you provided incorrect information that led to an accident

  • A learner claims that you failed to properly train them, leading to an accident

  • A third-party claims that you provided negligent advice that caused them financial loss


Add-Ons to Errors and Omissions Insurance for Flight Instructors

  • Defense outside the limit–This coverage will provide additional funds for legal fees outside of your errors and omissions insurance policy's coverage limit

  • Hangarkeepers liability–Protects your liability for damage to aircraft stored in a hangar that you lease or own


Are There Any Limitations in Errors and Omissions Insurance That Flight Instructors Should Be Aware Of?

As a flight instructor, it's important to be aware of the exclusions and limitations that may come with errors and omissions insurance. Some policies may exclude coverage for intentional acts or fraud, meaning that you may not be covered if you intentionally harm someone or commit fraud in your professional capacity. It's crucial to read the policy details carefully to understand how the flight instructor insurance you choose covers you.

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Commercial Property Insurance for Flight Instructors


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


This type of flight instructor insurance protects your physical assets in case of damage, theft, or loss. As a flight instructor, you likely own or lease a hangar or office space. Commercial property insurance can cover the cost of repairing your property  in case of damage or loss. 

Coverage limits can range from $100,000 to $5,000,000, depending on the value of your assets. Some specific situations where commercial property insurance can help include:

  • Theft of your aircraft or equipment

  • Fire or water damage to your hangar or office space

  • Natural disasters such as tornadoes or hurricanes

  • Damage caused by vandalism or riots


Add-Ons to Commercial Property Insurance for Flight Instructors

  • Unmanned aircraft systems (UAS) coverage–Provides coverage for property damage related to drones used for training or other business purposes


What Happens if My Aircraft Is Damaged Beyond Repair?

Commercial property insurance can cover the cost of a new aircraft up to the policy's coverage limit, provided that it got damaged while stationary within business premises. However, it's important to review your policy's terms and conditions to understand the coverage limits and exclusions.