Personalized aviation protection
Tailored to your aircraft and you
With our hands-on, personalized approach, we’ll help you understand the insurance requirements that may apply under Canadian aviation regulations. Depending on the aircraft, its weight and how it is operated, owners and air carriers may need public and passenger liability insurance. You may also want to consider coverage for medical payments, physical damage, and relevant tools and equipment. A trusted aviation insurance advisor can help confirm the regulatory requirements and coverage options that apply to your operation.
Expertise that keeps your business cruising
Specialized guidance at every altitude
From evolving regulations and contractual requirements to operational and liability risks, aviation businesses face complex challenges on the ground and in the air. Navacord’s aviation specialists take the time to understand your aircraft, services and day-to-day operations. With access to a broad insurance market and practical risk guidance, we help build tailored protection that supports business continuity, safeguards key assets and keeps your organization ready for what comes next.
Who we help
We support aviation businesses, organizations and individuals across Canada with insurance tailored to how they own, operate, maintain and use aircraft. Our aviation experts help address the distinct property, liability and operational risks facing:
Protect premises, hangars, equipment and customer aircraft from property damage, operational incidents and third-party liability claims.
Address aircraft damage, passenger injuries, third-party liability and business interruption risks arising from commercial flight operations.
Safeguard company aircraft, executives, employees and guests with coverage aligned to corporate travel and aircraft management exposures.
Cover aircraft, cargo-related liabilities and operational disruptions associated with transporting goods across domestic and international routes.
Manage passenger liability, aircraft damage and contractual exposures while protecting the continuity of on-demand flight services.
More businesses we help
Find coverage suited to privately owned aircraft, helicopters, ultralights and other specialized aircraft based on their use.
Protect training aircraft, instructors, students and facilities from risks associated with instruction, supervised flights and daily operations.
Address shared aircraft, multiple pilots, member liability and property risks with coverage designed for club operations.
Secure liability and personal protection that reflects your licence, experience, aircraft type and private or commercial flying activities.
Our aviation insurance expertise
We’ll help you navigate the insurance market to determine exactly what coverage you need. Plus, we offer support in non-insurable areas such as contracts, premises risk control and employee safety. Our specialized team is experienced in many areas within the aviation industry, such as:
Protects aviation consultants and specialists against claims involving negligent advice, errors, omissions or professional services.
Addresses liability arising from ground handling, refuelling, maintenance, catering and other essential airside services.
Safeguards airport premises and operations against claims involving bodily injury, property damage, aircraft and equipment.
Combines aircraft hull, passenger, third-party and general liability protection for passenger and cargo airline operations.
Covers manufacturers, distributors and repair operations for product defects, completed work and related aviation liabilities.
Protects drone operators against third-party injury, property damage, equipment loss and risks connected to commercial flights.
Coverage for the risks you face
Essential aviation coverages
Your coverage options depend on the size of your aircraft, how you use it, where you fly, and if it is for private or commercial use. With access to various, competitive markets and dedicated experts, our brokers will help you secure an aviation insurance policy to balance your unique coverage needs with your budget. Common coverages include:
Aircraft hull and liability
Depending on the policy, coverage for an owned aircraft may combine aircraft hull protection for covered physical damage with third-party liability, passenger liability and medical payments. Available coverages, limits, deductibles and exclusions vary by insurer and operation.
Scheduled aircraft liability
This covers injury and property damage to a third party caused by the operation of a specified aircraft listed in your policy.
Temporary substitute aircraft liability
This extends third-party liability insurance to a temporary substitute aircraft (if it is similar to a type of aircraft you currently have insured).
Non-owned aircraft liability and damage
This provides third-party liability and property damage coverage to an aircraft you do not own. There may be limitations on the type and/or weight of the aircraft, as well as the number of passengers you can carry onboard (if any).
Aviation premises liability
This may help protect an aviation business against claims for third-party bodily injury or property damage arising from its premises or ground-based operations. Coverage should be reviewed against lease requirements and the activities performed at the location.
Hangar property, contents and hangarkeepers liability
Property coverage may protect an insured hangar, tools, equipment and other contents against covered loss or damage. Hangarkeepers liability may also be available for legal liability arising from damage to a customer’s or other non-owned aircraft while it is in your care, custody or control.
Cargo and personal effects coverage
Coverage may be available for covered loss of or damage to cargo and personal effects carried by the aircraft. Protection depends on the policy, the insured’s legal responsibility, the property being transported, and applicable limits and exclusions.
Additional protection for aviation operations
Sale of aircraft, parts, or services liability
This covers a seller in the event a third-party experiences bodily injury or property damage as a result of the product or service sold.
Public liability
Also referred to as third-party liability insurance, this may respond to legal liability for bodily injury or property damage suffered by people outside the aircraft, including damage to houses, vehicles or other aircraft, subject to the policy’s terms, limits and exclusions.
Passenger liability
This provides compensation for the cost of medical treatments for crew and passengers if they are injured while traveling in your aircraft.
Aircraft grounding and loss of use
This provides protection if there is an accident that requires grounding an aircraft until a pending investigation, repair or modification is completed. If a claim arises out of the loss of use of the aircraft, ground liability helps cover the financial losses.
Terrorism &/or sabotage insurance
This insurance is designed to protect aviation businesses and operators against losses resulting from terrorist attacks, hijacking, sabotage and confiscation. It primarily focuses on property damage and business interruption coverage.
Physical damage
This helps with the cost of repair or replacement of your aircraft and any related tools or equipment, if they are damaged or destroyed. This coverage can be purchased for ground risks only (in motion or not in motion) and/or in-flight risks.
FAQs for aviation insurance
Most owners must carry liability insurance before operating a Canadian-registered aircraft or a foreign-registered aircraft in Canada. The rules generally exclude remotely piloted aircraft and may differ for operators subject to the Air Transportation Regulations. Required public and passenger liability limits depend on factors such as aircraft weight, passenger count and type of operation. An aviation insurance advisor can help confirm the requirements that apply.
Aircraft hull insurance helps pay to repair or replace an insured aircraft following covered physical damage or loss. Coverage may apply while the aircraft is in flight, taxiing, parked or stored, depending on the policy. Deductibles, valuation method, equipment coverage and exclusions should be reviewed carefully.
Aviation insurance costs vary based on the aircraft, how it is used, the coverage selected and the overall risk profile. Insurers generally consider factors such as:
- Aircraft characteristics: The size, type, make, model, age and appraised value of the aircraft or fleet.
- Maximum take-off weight: The aircraft’s maximum permitted weight at take-off, including passengers, cargo and fuel, which can influence its risk profile and coverage requirements.
- Primary use: Whether the aircraft is used for personal, business or commercial passenger or cargo operations.
- Type of cargo: The nature and value of any goods transported, including medical supplies, perishables or hazardous materials.
- Flight patterns: Where and how often the aircraft flies, including domestic, cross-border or international routes, as well as typical and maximum flight distances.
- Storage arrangements: Where and how the aircraft is stored when not in use, such as in a hangar or at an outdoor tie-down location.
- Coverage details: The types of coverage selected, policy limits and deductibles, which shape both the level of protection and out-of-pocket costs.
- Claims and insurance history: Previous claims and coverage history, which insurers review when assessing risk and determining premiums.
A Navacord advisor can assess your operations, identify coverage priorities and explore available insurance options to help build a program that supports your needs and budget.
You may, and it is often recommended. The aircraft owner’s policy may not fully protect a renter, borrower, instructor or club member. Non-owned aircraft coverage can help address third-party liability and, when included, responsibility for physical damage to the aircraft. Coverage terms vary, so review both policies before flying.
Commercial operations typically involve broader risks, including fare-paying passengers, employees, cargo, contracts, multiple aircraft and business interruption. Coverage may combine aircraft hull and liability with property, premises, products, professional liability or other business protection tailored to how the organization operates.
