All lines of coverage

Aviation

Aviation, placed with the underwriters who fly it.

Private aircraft, charter, flight schools, drones and airport operations.

Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Aviation insurance is two covers moving together: hull, for physical damage to the aircraft in flight, taxiing or parked, and liability. Underwriting looks hard at the pilot, from total hours to hours in type and recent flying, and hangars and airport premises are underwritten apart from the in-flight risk. Cennairus shops it across the panel.

  • Parallelevery market with appetite, at once
  • Peoplea licensed broker works it
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Aviation

A few fields — we shop it across the panel and come back with real terms. No obligation.

Photo: Manuel Campagnoli / Pexels

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Why send it here

What you get

Rated on who is flying

Pilot hours, ratings and recency carry more weight than almost anything else in the file — this is not a class-code business.

Hull and liability together

Physical damage to the aircraft and the liability that follows an incident, quoted from one submission.

The ground exposure is different

Hangars, FBOs and airport premises are underwritten apart from the in-flight risk, not folded into it.

Built from the aircraft file

Aircraft make, model, hours and pilot logs are usually enough to start — no separate application built from scratch.

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How it works

How do I quote aviation through Cennairus?

01

Specialist aviation markets

Placed with underwriters who rate on hours, ratings and type — not on a generic class code.

02

Hull and liability together

Aircraft physical damage and the liability that follows, from one submission.

03

Operations on the ground too

Hangars, FBOs, flight schools and airport premises exposure.

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Worth knowing

What does aviation insurance not cover?

  • Ground vehicles and fuel trucks Tugs, fuel trucks and other airport ground vehicles are commercial auto, not the aircraft policy.
  • Injuries to ground staff Mechanics and ground crew are workers’ compensation — the aviation policy answers for the aircraft, not the payroll.
  • The hangar when nothing is flying Building and contents exposure at rest, apart from the aircraft itself, is usually placed on a Business Owner’s Policy.
  • Scheduling and passenger data Booking systems and passenger records are a cyber exposure, the same as any other business that keeps customer data.

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In plain terms

What does aviation insurance cover?

  • An aviation policy is really two covers moving together: hull, which pays for physical damage to the aircraft in flight, while taxiing, or parked; and liability, which.
  • Underwriting looks past the business and straight at the pilot — total hours, hours in the specific aircraft type, and how recently the pilot has flown — in.
  • Airports, FBOs and lenders financing the aircraft commonly require proof of hull and liability coverage, often at specific limits, before granting hangar or tie-down.

Who buys it: private aircraft owners, individual and corporate; charter operators and air taxi services; flight schools and flight instructors; airports, fbos and hangar operators; aerial application and agricultural flying; drone and unmanned aircraft operations.

An aircraft sitting in the hangar is still on risk — hull coverage does not wait for takeoff.

Questions we get

Aviation, answered

Why does the pilot matter so much to the rate?

Aviation losses correlate heavily with pilot experience — total hours, hours in type, and how recently the pilot has flown.

Is a drone covered under a regular business policy?

Usually not for the flying itself.

What is the difference between hull and liability here?

Hull is physical damage to the aircraft — in flight, taxiing, or parked.

What does an aviation underwriter want on the pilot and the aircraft?

Aircraft make, model and use — owner-flown, charter, instruction — pilot names, hours and ratings, and hangar location.

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