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Comprehensive Insurance Coverage for Private, Fractional, and Non-Owned Aircraft
Whether you own, lease, participate in a private membership program, or share access to an aircraft, private aviation requires specialized insurance designed to reflect your lifestyle and the complexity of flight. Brown & Brown’s Private Client Aviation Solutions provides protection tailored to your aircraft usage, ownership structure, and travel patterns — offering confidence for every journey.
Brown & Brown’s aviation specialists understand the nuances of private, fractional, and non-owned aircraft ownership, including club memberships, shared operations, and charter access programs. We help align your coverage with your liability exposure, personal assets, and flight activity — protecting you, your passengers, and your financial well-being in the air and on the ground.
Tailored Coverage Options for Private Aircraft Owners
Private aircraft ownership comes with unique considerations. Brown & Brown works closely with high-net-worth aircraft owners to align coverage with each aircraft’s operational profile and value.
Coverage may include:
- Physical damage (hull) and liability protection
- Medical payments for passengers and crew
- Personal effects and baggage coverage
- Extra expense coverage for emergency landings and recovery
- Search and rescue reimbursement
- Hangar, premises, and refueling liability
- Optional coverage for family members or guest pilots
Coverage for Fractional Ownership and Jet Club Memberships
Fractional ownership and jet club participation provide convenience and flexibility — but they also introduce complex insurance responsibilities. Brown & Brown helps evaluate how program-level insurance interacts with your personal exposure to ensure there are no hidden gaps in protection.
Fractional aircraft ownership through private jet memberships and similar programs offers the advantages of private travel without the full cost or maintenance responsibilities of sole ownership. However, these arrangements also bring substantial financial and liability risks that should be reviewed with an aviation insurance specialist. Securing the right coverage allows you to enjoy the benefits of private flight with the protection you need if something doesn’t go as planned.
Why Insurance Coverage Is More Complex for Fractional Ownership
Fractional owners face heightened exposure because aircraft are operated continuously across multiple owners and flight crews. Owners may not know who is onboard each flight, how many additional insureds are listed on the policy, or the full extent of the liability dilution when claims occur. Even high policy limits can be exhausted quickly when shared among numerous parties. A Brown & Brown aviation specialist can also provide guidance on verifying certificates of insurance and policy limits within ownership agreements.
Fractional Ownership Coverage Considerations:
- Liability coverage extending beyond fleet-level insurance
- Leaseback liability exposure
- Non-owned aircraft physical damage protection
- Product liability exposure
- Passenger load liability exposure
- Coverage for deductibles and maintenance liability
- Coverage for high-value personal effects and family travel
Non-Owned and Charter Aircraft Coverage Considerations
If you charter or lease aircraft, you may still face liability exposure in the event of an incident. Non-owned aircraft insurance provides protection when you operate or travel aboard an aircraft not personally insured under your name.
Key Non-Owned and Charter Coverage Considerations
- Non-owned aircraft liability and physical damage
- Coverage for personal or family use of chartered aircraft
- Optional medical payments, loss of use, and emergency expense coverage
- Coordination with umbrella liability insurance for seamless protection
- Breach of policy warranties by the operator
- Negligent charter referral
- Liability arising from the negligence of an individual or corporation
- Defense costs associated with third-party liability
- Physical damage to the aircraft caused by individuals, clients or guests
Risk Management and Claims Support for Private Aviation
Aviation risk is complex and constantly evolving. Brown & Brown’s aviation insurance specialists provide proactive guidance to help minimize exposure before and after takeoff — from pilot qualification and maintenance oversight to hangar and storage safety.
If a claim occurs, Brown & Brown’s Private Client Claims Advocates coordinate closely with adjusters and aviation specialists to help ensure a fair, efficient resolution that prioritizes your interests.
Additional Resources
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Two-Minute Takeaway: Aviation
Our Two-Minute Takeaway provides a quick, high-level overview of notable topics and trends in the marketplace. Read on to learn more about what’s happening in the aviation sector.
Two-Minute Takeaway: Aviation | Q1 2025 Market Trends
The aviation insurance marketplace has endured various challenges in recent years, resulting in significant changes to available capacity and overall rating. Positive trends are expected to continue into 2025, with the abundance of capacity within ...
Two-Minute Takeaway: Aviation | Q2 2025 Market Trends
In recent years, the aviation insurance marketplace has endured challenges resulting in changes to capacity and pricing. While current capacity is strong, changing market dynamics suggest obstacles as the year progresses. Reinsurance secured in late ...Explore Other Aviation Insurance Solutions
Connect with Brown & Brown
Private aviation involves unique exposure considerations based on how often you fly, how you access aircraft and the structure of your ownership or membership program. Our aviation team can provide advisory guidance to help you evaluate available options and understand how different coverage approaches may support your needs. We are here to help you make informed decisions that align with your personal risk profile and travel preferences.
