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What Is Liability Insurance and Why Does It Matter?

liability insurance

When people plan to travel, they often focus on the destination and plans for when they arrive, forgetting about the importance of the journey and everything it takes to get there. To enjoy your trip, it is imperative you make the most of your journey, which includes being prepared for any unexpected issues that may arise.

Although no one wants to think about accidents or emergencies when planning a trip, it is imperative to have a plan in place in case something unexpected happens. One of the best ways to prepare for accidents is to look at your insurance policies and ensure you have all the coverage you need to make yourself feel secure in case of an emergency.

What Is Liability Insurance?

One of the most effective ways to plan for an accident or unpreventable emergency is having liability insurance coverage. This insurance policy type helps protect those insured against claims resulting from injuries to other people or properties. Liability coverage, a standard part of auto and house insurance, provides financial protection for you if you injure someone or damage something in an accident or if someone harms themselves while at your home.

Regarding travel, there are many types of liability insurance to consider depending on your mode of transportation. Whether you plan to travel by boat, car, motorcycle or jet, there is a liability coverage option for you. This type of insurance is an important consideration because it protects you from paying out of pocket for covered damages or injuries.

If you find yourself legally responsible for an accident, liability coverage will help you cover the financial aspects of the accident, including repair and legal costs and medical bills. Because you never know when or where an accident will occur, it is necessary to be prepared if or when something does happen. With this in mind, consider your liability insurance coverage options and decide which policy type and coverage options will benefit you the most in the long run.

The Importance of Liability Insurance for Private Jets

If you are someone who constantly travels or if you own a business that sends many workers on extensive travel, you may find it beneficial and cost-effective to invest in your own private aircraft instead of always flying commercial. Having the right private aircraft for your needs can save you time and money and increase productivity while flying. If this is something that interests you, you also need to consider the different insurance policies you will need.

Unlike other modes of transportation and commercial airplanes, privately owned jets do not always require liability insurance depending on how you intend to use the plane and on state laws. Whether your state requires you to have liability insurance for an aircraft, it is still something to consider that can save you financially and protect your assets.

liability insurance

Though specific policies differ across providers and situations, private jet liability insurance policies protect you, as the aircraft owner, against bodily injury or property damage caused by your aircraft, as well as provide you with a legal defense if someone sues you resulting from the operation of your aircraft. 

Private aircraft liability insurance policies have standard deductible levels. Insurance companies can recommend the ideal deductible for your jet and needs, depending on how you plan to use the aircraft, who will be flying it and other case-by-case factors. You can request higher liability and passenger limits if you deem it necessary. There are multiple aspects to consider when deciding on the amount of coverage you want. Some of the basic liability coverage aspects to consider to begin thinking about include:


  • Make and model of the aircraft
  • How you intend to use the aircraft
  • Pilot training
  • General pilot experience, including with your particular aircraft make and model
  • Loss history for the pilot and the plane’s operator
  • Passenger limit
  • Limits of desired coverage


After making the basic considerations regarding your liability policy, there are multiple additional coverage options to look into for added protection, including geographical limits, personal effects and baggage coverage, parts coverage and life insurance. Customize these options to find the right balance for your application and lifestyle.

If owning your jet seems out of reach, consider flying with a private jet charter company, which essentially allows you to rent an entire aircraft instead of purchasing seats on a commercial flight. This lets you experience all the perks of flying privately and avoiding commercial travel without purchasing your own aircraft, giving you help along the journey of planning your travel. Chartering over ownership also helps protect customers from accident liability.

GrandView Aviation, a private jet charter company flying on-demand from some of America’s largest cities offers this type of service with $150 million private jet liability insurance. Our high amount of liability coverage emphasizes the importance of your safety on a reliable and efficient flight with our skilled pilots and dedicated staff.

Fly the Skies With GrandView Aviation

At GrandView Aviation, we dedicate our operation to ensuring a flight that prioritizes safety and reliability. We operate a fleet of late-model Embraer Phenom 300 light jets and Sikorsky S-76D and Bell 407GXI helicopters, all equipped with up-to-date technology. 

Committing to safety and customer service and taking ownership of our work, we are a team you can count on save you time with relaxing, enjoyable private travel. We offer phenomenal perks, such as pet-friendly options and free Wi-Fi, flexible seating with a luxury jet interior and 24/7 support. Additionally, flying on a private charter flight, you have better control over your schedule, more privacy and a faster trip, all without having to check your baggage or navigate busy airport terminals.

Whether your trip is for business or pleasure, GrandView Aviation is here to help. If you are looking to rent an aircraft for a private flight, browse our flight options online or give us a call at any of our locations today to schedule your next trip.

liability insurance



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