AVIATION CONTRACTOR INSURANCE
FBO Contractor Insurance
Aviation Ground Service Contractors Liability Coverage
Kelly Insurance Group helps FBO service contractors, aviation support service providers, airport contractors, and aviation ground handling businesses find insurance solutions for operations that are often difficult to place. If your company works around aircraft, on the ramp, inside hangars, near fueling operations, or under an airport or FBO services agreement, a basic contractor policy is usually not enough.
We work with aviation contractors performing aircraft marshaling, towing coordination, fuel support, lavatory and potable water service, de-icing support, hangar services, ramp services, aircraft support operations, airport vendor services, and other specialized FBO contractor work where liability severity can be high and contract requirements can be strict.
Insurance for FBO Service Contractors and Aviation Ground Support Businesses
FBO contractor insurance is built for aviation businesses and contractors supporting fixed base operator activity, aircraft service environments, and airport operations. These accounts can involve significant exposure tied to aircraft in care, custody and control, airport contractual liability, contractor operations around high-value business aircraft, environmental exposure from fueling or chemical use, tools and equipment, commercial auto, workers compensation, and products and completed operations aviation exposure.
Many aviation service contractors assume general liability automatically solves the problem. It usually does not. If your company is touching aircraft, guiding aircraft, servicing aircraft, moving equipment around aircraft, operating on the ramp, or meeting airport vendor insurance requirements, the structure of your insurance matters far more than most agents understand.
Who This Page Is For
This page is designed for FBO contractors, airport service contractors, aviation support service businesses, ramp service vendors, ground handling contractors, independent aviation contractors, and aviation subcontractors working in or around aircraft service environments.
Common Operations
Aircraft marshaling, aircraft towing support, ramp services, lavatory service, potable water service, de-icing support, aviation fuel support, hangar services, airport vendor work, aircraft cleaning support, aviation service vehicle operations, and specialized aviation contractor work.
Major Exposure Areas
Aircraft damage liability, care custody and control exposure, contractor pollution liability, non-owned aircraft liability, commercial auto on airport premises, workers compensation, tools and equipment, contractual liability, and excess liability for airport access requirements.
Key Coverages FBO Contractors Should Review
Why FBO Contractor Risks Get Declined
FBO contractor and aviation support service accounts are often declined because standard carriers do not want aircraft-adjacent exposure, airside operations, severe property damage potential, pollution exposure, or the contract requirements that come with airports and fixed base operator agreements. The problem is often not that your business is uninsurable. The problem is that the risk needs to be presented correctly to the right market.
We regularly see issues involving additional insured requirements, waiver of subrogation, primary and non-contributory wording, higher liability limits, questions around aircraft in care custody and control, airport contract compliance, and hard-to-place aviation contractor operations that basic business insurance markets simply do not understand.
Related Aviation Insurance Pages
Frequently Asked Questions About FBO Contractor Insurance
What insurance do FBO service contractors usually need?
Most FBO contractors need a combination of general liability, workers compensation, commercial auto if vehicles are used, and then a closer review of aircraft damage liability, care custody and control exposure, contractor pollution liability, tools and equipment, and excess liability depending on the services being performed and the contract requirements imposed by the airport or FBO.
Does general liability cover damage to an aircraft?
Not automatically. That is one of the biggest misunderstandings in aviation contractor insurance. If your work creates aircraft damage exposure or puts an aircraft in your care custody and control, a standard general liability policy may not respond the way you think it will.
Do aviation service contractors need pollution liability?
Many do, especially if operations involve fuel, wash chemicals, de-icing materials, runoff, or the potential for spills, contamination, or environmental cleanup obligations. Pollution liability is one of the most overlooked parts of aviation contractor insurance.
What if my business has been declined already?
That is exactly where specialty placement matters. A declined aviation contractor account does not always mean no market exists. It often means the submission was presented to the wrong market, packaged poorly, or not explained with the level of detail needed for aviation underwriting.
Need Help With an FBO Contractor or Aviation Support Services Account?
If your business works around aircraft, supports fixed base operator activity, or needs help meeting airport or FBO insurance requirements, Kelly Insurance Group can review the operation and help determine what type of aviation contractor insurance structure makes the most sense.