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Ontario Aviation Insurance

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Custom insurance solutions for Ontario aircraft owners, pilots, and aviation companies

Whether you’re transporting passengers across Toronto or moving freight throughout Ontario, reliable aviation insurance is essential to protecting your company’s future. The inherent risks of flight, alongside strict provincial and federal regulations designed to safeguard public safety, make a carefully tailored insurance package not just a wise investment—but a necessity for any aviation business operating in Ontario. Let us help you navigate these requirements, so you can focus on what matters most: keeping your operations safe and thriving.

Our specialized aviation insurance brokers bring deep industry knowledge to the table. Through our longtime relationships with the top industry underwriters we provide you with the best possible custom insurance policy.

We collaborate directly with Ontario-based operators to craft insurance packages that support your business goals and your unique lifestyle, ensuring you get a policy that truly works for you. You can fly safely and confidently, knowing you don’t have to worry about your coverage.

Aviation insurance: The key to safe and successful operations in Ontario

Aviation insurance is specifically designed to safeguard Ontario aircraft owners and operators against the financial risks that come with flight. Because the aviation sector faces unique challenges, from unpredictable weather conditions to complex regulatory requirements, you need coverage that’s as dynamic as the industry itself. Our Ontario-focused aviation insurance solutions protect you from unforeseen losses, giving you peace of mind so you can soar with confidence.

We offer tailored insurance policies for both personal and corporate aircraft, including helicopters, piston, turbine, and jet models. Our coverage areas include commercial charters, general liability, product liability, AME liability, non-owned aircraft coverage, flight schools/FBOs, and refuelers liability. For more detailed descriptions of each coverage option, please see the information below.

Common aviation insurance coverages

We specialize in designing policies tailored to your needs in the following areas:

  • Commercial Charters: Coverage for businesses offering chartered flights, protecting operators from risks such as passenger injury, property damage, or liability claims. This includes both scheduled and unscheduled flights, ensuring that your commercial operations are fully insured for a range of eventualities, from accidents to unforeseen disruptions.
  • General Liability: Comprehensive protection for aviation operators, covering bodily injury and property damage to third parties arising from your operations. This includes incidents that may occur on the ground or during flight, such as damage caused by aircraft, hangar-related accidents, or injuries to non-employees.
  • Product Liability: Insurance for manufacturers, suppliers, or repairers of aviation products and components. This coverage protects against claims arising from defects or failures in products, such as aircraft parts or maintenance services, ensuring your business can withstand potential lawsuits and financial losses.
  • AME Liability: Aircraft Maintenance Engineer (AME) liability coverage safeguards those involved in aircraft maintenance and repair. It protects against claims resulting from errors, omissions, or negligence in the maintenance process, which could lead to aircraft damage or accidents.
  • Non-Owned Coverage: Provides liability protection when you operate or rent aircraft that you do not own. This coverage extends to damages or injuries caused while using non-owned aircraft, helping you avoid financial exposure if an incident occurs during rental or borrowed operations.
  • Flight Schools/FBO: Policies designed for flight training institutions and Fixed Base Operators (FBOs), covering risks associated with student pilots, instructors, rented aircraft, and ground operations. This includes liability for accidents during training flights, on-premises incidents, and property damage.
  • Refuelers Liability: Insurance for companies or individuals responsible for refuelling aircraft. This coverage protects against claims related to fuel contamination, spills, or accidents during the refuelling process, safeguarding your business from costly legal and environmental consequences.

Whether you own a Cessna Citation, a Beechcraft King Air, or any other turbine-powered aircraft, you are faced with unique requirements both from an aircraft owner’s perspective and from the insurance company’s standpoint.

To ensure you have the appropriate liability limits, policy territory coverage, training requirements, and more, it’s important to thoroughly review all your needs when you work with us at Acera Insurance. Speak with one of our local aviation specialists today to learn more.

Specialty hangar insurance program

Our specialty hangar insurance program is designed to provide comprehensive protection for a wide range of aircraft and hangar operations. Whether you own, lease, or manage a hangar, our tailored policies are crafted to address the unique risks associated with aircraft storage and maintenance, giving you the confidence that your property and investments are fully covered.

  • Hangar Keepers Liability: Protects you as a hangar operator against damage to aircraft in your care, custody, or control. This coverage is essential for anyone responsible for storing, servicing, or moving aircraft, as it shields you from financial loss due to accidental damage, fire, theft, or other unforeseen events while the aircraft is on your premises.
  • Private Aircraft: Coverage extends to privately owned aircraft stored in your hangar, ensuring owners and operators are protected against risks such as vandalism, weather damage, and ground incidents. This provides peace of mind for private pilots and aviation enthusiasts who want their investments secured while not in flight.
  • Float Planes: Our policies are specifically structured to address the unique exposures associated with float planes, including storage, maintenance, and movement on and off the water. Rest assured your aircraft is covered against risks both in the hangar and at the dock.
  • Rotary Wing Craft: We provide robust protection for helicopters and other rotary wing aircraft, covering potential losses during storage, ground handling, or routine maintenance. Our coverage is tailored to the specific requirements of rotary wing operations, accommodating the unique needs of helicopter owners and operators.
  • Fixed Wing Aircraft: Comprehensive insurance for all types of fixed wing aircraft, from small personal planes to larger commercial models. Our program helps shield you from the costs associated with hangar-related incidents, ensuring that your aircraft is protected while on the ground.

With our specialty hangar insurance program, you benefit from the experience and expertise of aviation insurance professionals who understand the complexities of the industry. We’ll work with you to tailor coverage that meets your operational needs and regulatory requirements. Contact us today to discuss how our hangar insurance solutions can give you peace of mind and help protect your aviation assets.

How much does aviation insurance cost in Ontario?

The cost of aviation insurance in Ontario is influenced by a variety of factors, including:

  • Aircraft characteristics: Includes the size, type, make, model, age, and appraised value of your aircraft or fleet.
  • Maximum take-off weight: The fully loaded weight of the aircraft at the time of take-off, which affects coverage and risk.
  • Primary use: How you operate your aircraft—whether for private recreation, business purposes, or commercial operations (passenger or cargo).
  • Type of cargo: The nature and value of goods transported, if applicable (e.g., medical supplies, perishables, hazardous materials).
  • Flight patterns: Where you fly (e.g., within Ontario, across Canada, or internationally), how frequently you operate flights, and the average or maximum distances flown.
  • Storage arrangements: Details on where and how your aircraft is kept when not in use, such as specific Ontario airports, hangars, or outdoor tie-down locations.
  • Insurance coverage details: The types of coverage you select, policy limits, and deductible amounts that determine your protection and out-of-pocket expenses.
  • Claims and insurance history: Your record of previous insurance claims and coverage, which insurers review to assess risk and premium levels.

Why Ontario aviation businesses and aircraft owners trust Acera Insurance

At Acera Insurance, our Ontario aviation insurance specialists work to provide you with the best coverage to ensure the following:

  1. Protection of your valuable assets.
  2. The confidence that your assets are fully covered, and the peace of mind that brings.
  3. Your claims processing can be worry-free.

We ensure that you receive the best coverage available through our relationships with all the major underwriters in the industry, as well as any applicable discounts if you have completed specific make/model training beyond the annual requirements.

Since Acera Insurance represents all the major aviation companies, we are able to find the most comprehensive options available to you.

Whether you own a small aircraft for personal use or operate a large aviation business with hundreds or even thousands of employees, our experts can provide guidance on the coverage that best fits your needs and budget. Reach out to us today for more information or to request a quote.

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Resources

Global Aerospace Insurance Forms

All Clear Insurance Forms

Allianz Insurance Forms