Liability Insurance
Hangar Keepers Liability Insurance: Low-Cost Quotes in Minutes.
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What is Hangar Keepers Liability Insurance?
Very often Hangar Keepers is a contractual requirement demanded by Owners, Manufacturers and Operators as you may have their valuable aircraft located in your business facility or premises whilst you carry out your service. If so, you need to protect your business from any unexpected damages to that aircraft as anything that occurs, will see a claim for a huge sum against you.
Simply send us a contract clause you are unsure of or let us know your Hangar Keeper needs. Get the most cost-effective solution the market has to offer.
Hangar Keepers Insurance protects you and your business, against damage to a third party’s aircraft (and parts) whilst in your care, custody or control.
Policy covers damage to all types of aircraft, including jets.
Aircraft housed within an airfield hangar or airfield premises.
It is additional insurance that protects the property owner or occupier, providing a very important buffer for their own insurance policies.
Hangarkeepers caters for any third-party aviation equipment whilst it’s in the custody or control of the insured. It doesn’t need to be inside a hangar
What does it do?
This is the most fundamental insurance to cover yourself against damage against control that you don’t own, but have in your hangar or on your premises.
Critical Insurance
The critical facts are that Hangar Keeper Insurance protects you and your business, against any damage to aircrafts or parts that belong to someone else.
Wide Coverage
Flycovr hanger keepers coverage is also available for equipment and tools stored inside your hangar.
Legal Fees Covered
If you’re facing a lawsuit due to damage occurring while an aircraft is in your hangar, hangar keeper’s insurance can also provide coverage for legal fees and court expenses.
Who can benefit
So who is a hangar keepers insurance for?
Owners and/or occupiers of premises that warehouse aircraft and aircraft parts. Such as Hangar’s but also any commercial Aviation premises.
Owners and/or Occupiers of premises
Repair, maintenance and service providers
Ground handlers
Paint shops
Owners of airfields
Service Providers
Logistics services
Refeullers
Hangar Keepers Insurance – A Legal Requirement?
Are you in the business of storing or repairing aircraft? If so, you will have many questions regarding Hangar Keepers Insurance, such as:
- What is hangarkeepers’ insurance?
- Is Hangar Keepers Insurance the same as Hangar Insurance?
- What does hangar keepers’ insurance cover?
- How much will the policy cost?
- How quickly can I get a quote?
- Is it a ‘cookie-cutter’ policy, or can it be customized?
We will answer all your questions and provide you with everything you need to know about hangar keepers’ liability insurance.
Get started by getting a highly competitive quote from our aviation experts:
What Is Hangar Keepers Insurance?
Also known as ‘hangar keepers’ liability insurance’, this insurance protects you from liability in the event that an aircraft is damaged while it’s in your care.
Aircraft are usually stored in a hangar, hence the name of the insurance, but it’s worth noting that this insurance also covers aviation equipment under the care of the insured party, and the aircraft, or parts, needn’t necessarily be in a hangar.
All types of aircraft are covered, including jet airplanes.
If an aircraft you are keeping in storage, for repair or safekeeping, is damaged, then hangar keepers insurance will also cover legal costs (and settlements) if you are sued.
Hangar keepers’ liability insurance covers any third-party aviation equipment or aircraft that is in the custody of the insured party.
When we consider the high value of aircraft and aviation equipment, it becomes clear that having this type of insurance is extremely important. In fact it is very often a legal requirement. Leasing companies, manufacturers and OEMs rarely let companies hold their aircraft, unless they have the requisite insurance. So it is frequently a legal requirement for winning contracts and tenders.
Frequently Asked Questions
I already have Products Liability, do I need Hangar Keeper Insurance??
Product Liability covers the costs of claims from individuals who are injured as a result of a faulty product or from a direct consequence of your business maintenance work, services, designs, manufacturers or supplies.
Hangar Keepers is a claim for damage against physical property such as aircrafts, parts or equipment.
What is PPH?
PPH stands for Premises, Products and Hangar Keepers Liability. These are the three insurance areas that often overlap. Flycovr combine aviation expertise an aviation insurance specialists to ensure you get the right insurance product.
These three insurance products are often bought in combination together to ensure you are fully protected. The acronym PPH therefore ties these together, but you can by Hangar Keepers individually as well as with one or all combined.
What is the difference between Premises and Hangar Keepers Liability?
Premises Liability covers claims from members of the public, customers, partners or clients that suffer an injury as a result of an accident or incident that has taken place on your premises. This therefore protects you against claims from any third party against you for something that occurs on your premises where you have been found liable. Hangar Keepers is designed to protect you and your business for incorrect actions taken on another person’s or business’ aircraft or aircraft parts whilst in your care.
Therefore Hangar Keeper’s protects against any damage to the aircrafts, whereas as premises protects you against claims from people who are hurt or injured on the premises. This applies to any property whether a hangar, office or any other commercial storage or maintenance facility.
Frequently Asked Questions
Does Hangar Keeper Liability protect the owner of the aircraft itself?
Hangar Keeper protects you, the policy holder, for the cost of damages that may be caused by your actions. This does not protect the actual aircraft owner and does not take the place of the aircraft insurance that they hold. This only covers your mistakes. Nothing else. Therefore, if some damage occurs, that you have not caused, such as acts of god like a tornado whilst the aircraft is in your hangar, then hangar keepers does not cover this.
Do you have to own the premises to get Hangar Keepers Insurance?
No. You do not have to own the property. If you occupy an airfield hangar or airfield premises for commercial purposes or for the storage of aircrafts, then you still require this cover against aircrafts and parts that you do not own.
If I have a claim against me, what do I do?
If you have hangar keeper cover, then the insurance can also help to cover against court costs, claims processes and legal fees. The insurance policy has to be drawn up to your specific needs and it is best to speak to a specialist aviation broker to advise on the repercussions of this. Flycovr Ltd, can ensure you get the right insurance adviser and you will have the process clearly explained.
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Confusing wording
Is Hangar Keepers Insurance the Same As Hangar Insurance?
No, despite the similar name, these are two different insurance types that cover different things.
Hangar Insurance:
Insures against damage (such as from fire, adverse weather, etc) to the hangar itself. It covers the building, as well as the tools and equipment stored in the hangar.
This insurance is designed to protect the owner of the hangar from financial loss caused by damage to the physical structure (the hangar and the equipment stored within).
Hangar Keepers Insurance:
Insures against damage caused to a third party’s aircraft that is under your care/stored in your hanger. This could be because you are currently repairing or servicing their aircraft and it is therefore in your custody. If damage to the aircraft occurs, having this insurance policy serves to protect you against liability. You are the Keeper of that Hangar. And this is protecting you from liability of any damage to things that are kept within your hangar whilst you are the keeper of it.
To sum up (and simplify):
Hangar insurance – protects your hangar and its contents, such as tools.
Hangar keepers insurance – protects someone else’s aircraft that is currently in your care/in your hangar.
Who Is Hangar Keepers Insurance For?
It specifically benefits owners of aircraft hangars or other commercial premises that store aircraft or aviation components, although You don’t have to own the hangar. You can be a leaseholder or an occupier. You still require insurance.
If you have an aircraft under your care, perhaps while it is being repaired, or stored for safekeeping, then you are liable for any damage it may suffer while it is in your custody.
A hangar keepers policy provides cover and protects your business against liability if the third-party aircraft is damaged or destroyed whilst in your care.
Legal defense and potential settlement costs (which can be enormous) are also covered by hangar keepers’ insurance, making it a critically important protection for your business.
So, Who Needs this Insurance Policy?
Owners of commercial aviation premises
If you own an aircraft hangar and you are storing a third-party aircraft on your premises, then you need to protect yourself against liability in the unfortunate event of the aircraft being damaged or destroyed.
This also applies to occupiers of premises that warehouse aircraft and aircraft parts.
Airfield owners
Hangar keepers insurance doesn’t just cover aircraft stored in the physical structure of an aircraft hangar, but also includes the area of your airfield where the third party aircraft may be located while in your control or custody.
Repair or maintenance businesses
If you provide a service, such as repairing or maintaining aircraft, insuring yourself against damage liability is obviously important. This also includes:
- Airports
- Ground handlers
- Paint shops
- Logistics service providers
- Refuellers
- FBOs (Fixed Base Operators)
In short; hangar keepers liability insurance is a specialized liability coverage designed to protect your business from liability for any damage that occurs to an airplane or aviation equipment that is not owned (or leased/rented) by you but is on your premises for storage, maintenance, repair, etc.
Cover detail
What Does Hangar Keepers Insurance Cover?
Its purpose is to protect businesses that are in custody of a third-party owned aircraft against liability should the aircraft be damaged.
What
So, What is Covered?
01/
Physical damage to the aircraft
02/
Destruction of the aircraft
03/
Loss of use of the aircraft
04/
Reduction in the value of the aircraft
05/
Faulty workmanship
06/
Damage or destruction of the aircraft during test flights
07/
Legal fees, settlement expenses incurred due to a claim made against you
08/
Damage to aviation equipment that is under your care/custody
Damage to all types of aircraft, including jets, as well as aircraft parts secured within your airfield hangar or airfield, are covered.
What is NOT covered?
Hangarkeepers is a specialized type of insurance intended to protect your business from liability for any damage that occurs to a third-party’s aircraft that you are maintaining, repairing or storing in your hangar (or airfield).
Not typically covered:
An owner’s aircraft
Hangarkeepers insurance covers you as a hangar owner for damage or destruction of an aircraft not owned by you. It doesn’t cover damage caused to your own aircraft or aircraft parts in your hangar. For that you would need Aircraft Owners Insurance.
Non-aviation items
Other items stored in the hangar that are not aircraft or aircraft parts, such as a boat, or personal items, are not generally included in this type of insurance policy.
What Is an Example of Hangar Keepers Insurance?
There are many ways in which insurance claims can happen. Here are a couple of hypothetical examples:
Example one:
An MRO is housing an aircraft for an airline that is leased from a manufacturer. That Airline is having parts replaced and the aircraft restored. During that time an incident occurs.
Because the FBO has hangar keepers insurance, the liability costs are covered under the policy.
The claims process is simple and straightforward and the payout is made promptly to the insured party.
Example two:
A maintenance crew is working on a client’s aircraft when a mechanic causes damage to the plane. The aircraft is out of commission due to the damage and a lawsuit arises.
The hangar keepers policy covers the legal expenses and damages that the insured is liable for in this case.
Is Hangar Keepers Insurance the Same As Aviation Product Liability Insurance?
No, these are very distinct and different insurance policies.
A Hangar Keepers Policy
Protects a hangar owner against the risk of damage to a third-party aircraft under their care.
Aviation Products Liability Insurance
Protects businesses which make aircraft engines and aviation parts from claims caused by faulty products.
What’s the Difference Between Premises Liability and Hangar Keepers Liability?
Again, these insurance policies differ in important aspects.
While Hangarkeepers protects against any damage to a third-party aircraft stored in the hangar, Premises Liability Insurance protects against claims made by a person who is injured while on your premises.
This could be a client, or member of the public. As the owner of the premises where the accidental injury occurs, you could be liable. Premises insurance covers you in this event.
What Is PPH?
In the aviation industry, there are many types of insurance policies.
Premises
As covered above, Premises Liability insures you against claims made by a person who is injured while on your premises.
Products
Products Liability Insurance covers property damage or injury to a person due to your aviation products.
Hangar Keepers
Specifically covers against damage to an aircraft (or parts) not owned by the insured but occurring while on their airfield or in their hangar.
These three insurance products are often grouped together as a way of ensuring complete protection for companies involved in storing aircraft as part of their business, although they can be purchased separately if that makes more sense depending on the circumstances.
How Do I Get Hangar Keepers Insurance?
For an individualized quote, get in touch, and our expert team will be happy to help and answer all of your questions:
Why Should I Choose Flycovr for my Insurance?
We are a free-of-charge service provider specializing in the global aviation supply chain. We are uniquely positioned to help you with your hangar keepers liability insurance needs.
Here at Flycovr we understand the frustration and confusion that comes from trying to ensure appropriate coverage against liability.
Aviation insurance can seem complex and even bewildering, but it is our job to simplify the process for you and make sure that you have the most effective insurance for your needs at the most reasonable price.
We have a carefully curated panel of aviation insurance experts, who will quickly establish the most cost-effective solution for your needs., meaning we can provide you with a quote that is personalized and specific for your unique requirements in a timely manner.
Our claims process couldn’t be simpler and we will work to get your claim settled and paid in days rather than weeks. We have a wealth of experience and credibility which we have built up over many years in the industry, and we partner with some of the biggest names in aviation insurance – so you can be sure that you are dealing with a strong, stable and trustworthy provider.
You can also be reassured that our insurance products all meet FAA, EASA and other international standards for aviation product liability.
We ensure price transparency so there are no hidden expenses to worry about. We will get you the best price possible for the insurance you need. We also offer post-sale support to make sure that you have all the information you need throughout and beyond the entire process.
FAQ
Do I have to be the owner of the aircraft hangar in order to qualify for Hangar Keepers Insurance?
No – you don’t need to own the property itself. If you are occupying the premises for commercial purposes, such as repairing or storing aircraft, then you will need to insure yourself against liability for damage done to your client’s aircraft.
Are non-aviation items stored in the hangar, such as cars, boats, golf carts etc, also covered?
No, for these types of things you would need a separate type of insurance policy. Damage to the hangar itself is also not covered by a hangar keepers insurance policy.
Repair or maintenance businesses
If you provide a service, such as repairing or maintaining aircraft, insuring yourself against damage liability is obviously important. This also includes:
- Airports
- Ground handlers
- Paint shops
- Logistics service providers
- Refuellers
- FBOs (Fixed Base Operators)
In short; hangar keepers liability insurance is a specialized liability coverage designed to protect your business from liability for any damage that occurs to an airplane or aviation equipment that is not owned (or leased/rented) by you but is on your premises for storage, maintenance, repair, etc.
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Summary
Hangar Keepers Insurance serves to protect you from liability in the event that a third-party aircraft is damaged while in your care while being kept in an aircraft hangar or airfield.
As aircraft are extremely valuable items, having the correct insurance is a crucial product that can save your business from financial disaster.
It’s important to understand what is and isn’t covered by this type of insurance policy, and to deal with an expert, such as Flycovr, to ensure you are fully covered. For more information on hangar keepers insurance contact us and our expert team will be able to provide you with a customized quote.
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