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Parachuting Insurance: Cost & Quotes From $45/mo

Table of contents
1. General Liability Insurance for Parachuting Instructors and Schools 1.1. Coverage Limits of  General Liability Insurance for Parachuting Instructors and Schools 1.2. Add-Ons to General Liability Insurance for Parachuting Instructors and Schools 1.3. What Are the Coverage Exclusions for This Insurance Policy?2. Professional Liability Insurance for Parachuting Instructors and Schools 2.1. Coverage Limits of Professional Liability Insurance for Parachuting Instructors and Schools2.2. Add-Ons to Professional Liability Insurance for Parachuting Instructors and Schools2.3. Can Professional Liability Insurance for Parachuting Instructors and Schools Cover Claims Related to Improper Equipment Maintenance?3. Public Liability Insurance for Parachuting Instructors and Schools3.1. Coverage Limits of Public Liability Insurance for Parachuting Instructors and Schools3.2. Does Public Liability Insurance for Parachuting Instructors and Schools Cover Accidents That Occur During Transportation to and From the Skydiving Location?4. Commercial Property Insurance for Parachuting Instructors and Schools4.1. Coverage Limits of Commercial Property Insurance for Parachuting Instructors and Schools4.2. Add-Ons to Commercial Property Insurance for Parachuting Instructors and Schools4.3. Does Commercial Property Insurance Cover Damage to the Personal Belongings of Students or Customers While on Your Property?5. Business Owner’s Policy for Parachuting Instructors and Schools5.1. Coverage Limits of Business Owner’s Policy for Parachuting Instructors and Schools5.2. Add-Ons to Business Owner’s Policy for Parachuting Instructors and Schools5.3. What Are the Advantages of Having a Business Owner’s Policy (Bop) For Parachuting Instructors and Schools Compared to Standalone Skydiving Insurance Policies, Specifically in Terms of Coverage Limits?6. Commercial Auto Insurance for Parachuting Instructors and Schools6.1. Coverage Limits of Commercial Auto Insurance for Parachuting Instructors and Schools6.2. Add-Ons to Commercial Auto Insurance for Parachuting Instructors and Schools6.3. Does Commercial Auto Insurance cover skydiving equipment during transport?7. Workers' Compensation Insurance for Parachuting Instructors and Schools7.1. Add-Ons to Workers' Compensation Insurance for Parachuting Instructors and Schools8. Skydiving Travel Insurance8.1. Coverage Limits of  Skydiving Travel Insurance8.2. Add-Ons to Skydiving Travel Insurance9. Tandem Skydive Insurance10. Parachuting Insurance Cost 11. Best Parachuting Insurance Companies11.1. NEXT Parachuting Insurance  11.1.1. Pros11.1.2. Cons11.2. CoverWallet Parachuting Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Parachuting Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Parachuting Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble Parachuting Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox Parachuting Insurance 11.6.1. Pros11.6.2. Cons

Do you run a parachuting school or work as an instructor? If so, you know that insurance is important to protect yourself, your business, and your clients in case of accidents. Parachuting can be an exhilarating experience, but it also comes with risks. The pilot can make a mistake during the flight and result in a crash. The chute can also malfunction and cause someone’s death. 

That's why insurance coverage is crucial to protect you and your business. This article will explore everything you need about parachuting insurance, including its various types, coverage limits, and costs. We'll also review some of the best parachuting insurance companies in the market so that you can choose the right one for your needs.

General Liability Insurance for Parachuting Instructors and Schools 


CoverWallet NEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


General liability insurance is important insurance coverage for parachuting instructors and schools, protecting you against bodily injury, property damage, and advertising injury claims. It's also essential to consider additional insurance options to address specific risks and liabilities. 


Coverage Limits of  General Liability Insurance for Parachuting Instructors and Schools 

The coverage limits of this skydiving insurance can range up to $1,000,000 per occurrence.


Add-Ons to General Liability Insurance for Parachuting Instructors and Schools 

  • Professional liability coverage–This optional add-on to the general liability coverage of your parachute jump insurance program protects claims related to professional negligence 

  • HNOA coverage–This add-on covers any accidents caused by a vehicle you hired or borrowed for business purposes


What Are the Coverage Exclusions for This Insurance Policy?

The coverage exclusions for this insurance policy may vary depending on the insurer and the specific policy. Some exclusions may include coverage for intentional acts, criminal acts, or acts of terrorism. Reviewing the policy carefully and understanding the exclusions before purchasing it is essential.


Professional Liability Insurance for Parachuting Instructors and Schools 


CoverWallet NEXTThimble (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
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan be included
Deductible $500$500$500$50/$10,000$500


Professional liability insurance protects your business from financial loss due to lawsuits and other legal issues if you are a parachuting instructor or run a skydiving school. This type of parachuting insurance for instructors and schools can grant protection if a claim is filed due to inaccurate advice, negligence, and other related perils. 


Coverage Limits of Professional Liability Insurance for Parachuting Instructors and Schools

Coverage limits typically range from $1 million to $10 million, depending on the size and scope of your business and the risks involved.


Add-Ons to Professional Liability Insurance for Parachuting Instructors and Schools

  • Business interruption coverage–Protects if your business operations are interrupted due to unpredicted events such as natural disasters or equipment failures

  • Non-Owned aircraft liability coverage–Covers injuries or damages caused by aircraft you do not own but use for skydiving activities


Professional liability insurance can provide coverage for claims related to improper equipment maintenance. If an accident or injury occurs due to equipment failure or improper maintenance by the instructor or school, resulting in a lawsuit, professional liability insurance can help cover the legal costs and potential settlements associated with the claim.


Public Liability Insurance for Parachuting Instructors and Schools

Public liability insurance for parachuting Instructors and Schools is a type of insurance that covers legal liability arising from accidental injury to third parties or damage to your property during your business operations. Skydiving operators and instructors in Europe often require public liability insurance, and therefore skydiving insurance in Europe is a consideration when opting for a policy. 


Coverage Limits of Public Liability Insurance for Parachuting Instructors and Schools

Coverage limits typically range from $1 million to $10 million, depending on the size and scope of your business and the risks involved.


Does Public Liability Insurance for Parachuting Instructors and Schools Cover Accidents That Occur During Transportation to and From the Skydiving Location?

Public liability insurance typically does not cover accidents that occur during transportation to and from the skydiving location. It primarily focuses on liability for injuries or property damage that arise from the actual skydiving activities or operations conducted by the school or instructor. To cover transportation-related accidents, separate insurance policies such as commercial auto insurance or hired/non-owned auto insurance may be necessary.

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Commercial Property Insurance for Parachuting Instructors and Schools


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$320,000$25,000/$500,000$75,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$75,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keysExcluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


This insurance protects against damage or loss of property owned by the business, including buildings, equipment, and other property assets. Here are some situations where commercial property insurance can help:

  • Damage to your property or equipment caused by natural disasters such as floods, hurricanes, or earthquakes

  • The deprivation of belongings resulting from robbery or intentional damage

  • Loss of income due to business interruption caused by covered events


Coverage Limits of Commercial Property Insurance for Parachuting Instructors and Schools

Commercial property insurance has coverage limits ranging from $25,000-$1 million.


Add-Ons to Commercial Property Insurance for Parachuting Instructors and Schools

  • Equipment breakdown coverage–Covers repair or replacement costs for equipment that breaks down due to mechanical or electrical failure

  • Extra expense coverage–Covers additional costs incurred to keep your business running in case of covered events


Does Commercial Property Insurance Cover Damage to the Personal Belongings of Students or Customers While on Your Property?

Commercial property insurance only covers damage to the insured property and assets the business owns. If a customer's belongings are damaged or lost while on your property, then commercial property insurance can’t help.


Business Owner’s Policy for Parachuting Instructors and Schools


CoverWalletNEXT (Best)ThimbleHiscox
General liability aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Commercial property coverage limit$50,000$320,000$25,000/$500,000$75,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


Business owner's policy (BOP) can provide property and liability insurance coverage in a single package. This can save you money on premiums while protecting your business from unexpected events.


Coverage Limits of Business Owner’s Policy for Parachuting Instructors and Schools

Coverage limits can range from $100,000 to several million dollars depending on the size and scope of your business and the risks involved.


Add-Ons to Business Owner’s Policy for Parachuting Instructors and Schools

  • Cyber liability insurance–Protects your business from damages or losses caused by data breaches or cyberattacks

  • Employment practices liability Insurance–Covers legal costs in case of lawsuits filed by employees for discrimination, harassment, or other employment-related issues


What Are the Advantages of Having a Business Owner’s Policy (Bop) For Parachuting Instructors and Schools Compared to Standalone Skydiving Insurance Policies, Specifically in Terms of Coverage Limits?

The advantages of a BOP compared to standalone skydiving insurance policies include the convenience of having property and liability coverage bundled into a single package, potential cost savings on premiums, and coverage limits that can range from $100,000 to several million dollars based on the size and risks of the business.