FBO's and Public Airports
From residential airparks with a turf runway and local gas-and-grass FBO's to Class Charlie and Bravo hubs, we've seen it all. Your insurance needs can be complex, partly because you're responsible for the safety of so many people you do not directly control. The good news is that we are here to help. We can evaluate all the different aspects of your risk, from leases to hangar agreements to best safety practices. You can count on Alexander Aviation to know first-hand what you'll need to keep your operation insured, safe and loss-free. Get in touch today and we'll show you what we can do.
Request quote
Prefer to talk? call now - (800) 432-8519
FBO & Airport Insurance — What You Need to Know
FBO and airport insurance is genuinely complex. You're responsible for the safety of people, aircraft, and property that aren't yours — tenants, transient pilots, fuel customers, maintenance clients, and the public walking through your lobby. One hangar fire, a fuel spill, or a ramp incident can generate claims across multiple coverage lines simultaneously. The gaps between those lines — where one policy ends and another begins — are exactly where uncovered losses hide.
Alexander Aviation brings together the coverages an FBO or airport actually needs: premises liability, hangarkeepers legal liability, pollution liability, non-owned aircraft, workers' compensation, commercial auto, aircraft physical damage, and commercial property — structured into a package that's coherent, cost-effective, and understandable. We'll walk you through what each component covers, why it matters for your specific operation, and where the risks are if you're considering cutting coverage to reduce premium.
From turf grass-strips and private airparks to busy Class C airports with multiple tenants, we've seen every type of GA airport operation. Reach out today by phone or complete the form below — a specialist will have context-specific answers for you within one business day.
Frequently Asked Questions — FBO & Airport Insurance
What insurance does a fixed-base operator (FBO) need?
A comprehensive FBO insurance program typically includes: premises liability (bodily injury and property damage on your grounds), hangarkeepers legal liability (damage to customer aircraft in your care, custody, or control), products and completed operations (fuel contamination, maintenance work), pollution liability (fuel spills), non-owned aircraft liability, commercial property, and commercial auto. The exact combination depends on your specific services — fueling only FBOs have different exposure than those providing fuel, maintenance, ground handling, and hangar rental.
What is hangarkeepers insurance and why do FBOs need it?
Hangarkeepers legal liability covers damage to aircraft that are in your care, custody, or control — aircraft you're storing in your hangar, performing maintenance on, or towing on your ramp. If a fire in your hangar destroys a customer's aircraft, the aircraft owner's policy may pay the claim and then subrogate (sue) you for the damage. Hangarkeepers coverage is what protects you in that scenario. The coverage limit should reflect the total value of aircraft you may have in custody at any one time.
Does FBO insurance cover fuel contamination incidents?
Standard premises liability typically excludes pollution events, which includes fuel spills and contamination. FBOs need a separate pollution liability policy or endorsement to cover cleanup costs and third-party claims arising from fuel spills. This is a frequently underinsured exposure — we specifically confirm its adequacy in every FBO program we place.
Can Alexander Aviation insure smaller FBOs and private airparks?
Yes. We insure the full range of airport operations, from single-hangar private airparks to multi-service FBOs on busy regional airports. We work with underwriters who specialize in smaller GA operations and won't price you based on assumptions sized for larger airport operations.