Helping Canadian aircraft owners navigate their insurance needs
Marsh has developed a comprehensive and cost-effective plan that provides coverage for your aircraft in flight, in motion, and on the ground.
Included coverages
Optional coverage enhancements
- Corporate use
- Competition aerobatics
- Formation flying
- Spares and components
- Ferry flight
- Liability to pilots and crew
- Betterment
- Open pilot warranty
Also known as industrial aid, this option covers flights for executives, employees, customers, and guests where no charge is made for the use of the aircraft. For this coverage to apply, the aircraft must be flown by professional pilots. It only extends to the aircraft on the policy, and the pilot must be approved. This add-on typically covers:
- Passenger voluntary settlement at $300,000 per passenger
- Trip interruption at $5,000 per passenger and crewmember
- Loss of use up to $15,000
- Automatic insurance for increased value up to 25% of the agreed value of the aircraft
- Contingent employers liability
- Products liability for sale of a scheduled aircraft up to the policy limit
Coverage for recreational aerobatics is automatically included with your MarshWings aircraft hull & liability policy. However, if you will be involved in competition aerobatics, you will need to purchase the Competition aerobatics coverage extension. This coverage extension has a maximum liability limit of $1,000,000 and does not cover physical loss or damage to the hull of your aircraft.
This endorsement is available for any formation flying involving any aerobatic manoeuvre other than an aerobatic flight, consisting solely of “trail and rejoin” manoeuvres or aerobatic formation flight practice in accordance with the Canadian Air Regulations (CARS).
The maximum limit of liability available is $1,000,000 per occurrence. To obtain coverage, full details of the aerobatic flight must be submitted to the insurer for approval and determination of the additional premium charged.
This option provides coverage for the following:
Parts: Includes aircraft components such as engines, kits, blades, propellers, instruments, radios, navigation equipment, auxiliary fuel tanks, detached and auxiliary undercarriages, miscellaneous flight equipment, ground support equipment, and similar items.
Tools: Includes tools and general repair equipment. The insurance of logbooks, service records, and repair records includes the cost of reconstitution.
This coverage applies to an aircraft that you need to ferry to Canada while it still bears a US registration . Once it arrives to its destination in Canada, there will be no in-flight coverage available until the aircraft is Canadian-registered.
For coverage to apply, you must provide full details of the ferry flight to Marsh Canada Limited prior to the flight.
It is also recommended that you reserve your Transport Canada registration in advance of the ferry flight.
This coverage is only available for the import of US-registered aircraft.
Pilots are not automatically covered for their own bodily injury under your MarshWings aircraft hull & liability policy, nor are operational crew. This endorsement enables you to extend coverage to include the liability of the insured to the pilots and operational crew of the insured aircraft. However, it does not cover liability that is already required to be insured under employers' liability or worker's compensation legislation, or similar laws.
Under your aircraft hull protection coverage, if a part which has a specified overhaul life needs to be replaced following an insured loss or damage to the aircraft, the amount payable under the claim is normally reduced to reflect the proportion of the overhaul life which has elapsed. For example, if a $10,000 propeller which has an overhaul lifespan of 10,000 hours is damaged, and it is 70% through its life, then the claim settlement may be $3,000, with you, the owner having to pay the difference.
You can include betterment coverage in aggregate limits of your choice of $2,500/$5,000 and $10,000 at an additional premium.
This enhancement allows pilots who meet certain minimum qualifications to fly your aircraft without being specifically endorsed on the policy as a “named pilot”.
An open pilot warranty provides coverage for pilots who meet these criteria:
For piston aircraft:
- Has a minimum of 250 logged fixed-wing hours as the pilot in command
- Has at least 25 hours in the aircraft model being flown
- Is under 70 years of age
- Has no incidents involving accidental aircraft damage or violations within the last five years
For turbine aircraft:
- Has a minimum of 500 logged fixed-wing hours as the pilot in command
- Has at least 250 turbine hours
- Has at least 25 hours in the specific aircraft model
- Is under 70 years of age
- Has no incidents involving accidental aircraft damage or violations in the last five years
Aircraft Insurance Program FAQs
To qualify for coverage, you must meet the following requirements:
- Your primary residence must be in Canada.
- Your aircraft must be privately registered and intended for private business and pleasure only.
- The aircraft must not exceed a maximum seating capacity of seven passengers, excluding the pilot.
- Pilots must hold the appropriate licence or permit for the aircraft they are operating.
These criteria help ensure that our coverage is tailored to suit your unique needs, providing you with peace of mind for your aviation adventures.
Yes, MarshWings aircraft hull & liability coverage is not available for basic ultralights, balloons, gliders, hang-gliders, airships, paragliders, hovercraft, unmanned aerial vehicles, and very light jets.
Additionally, it excludes aircraft that fall into the following categories:
- Foreign-registered aircraft
- Commercially registered aircraft, unless rented or borrowed for private business or pleasure use only
- Aircraft with more than seven passenger seats
- Aircraft with a hull value of more than $1,500,000
- Aircraft with a permissible takeoff weight of more than 5,670 kilograms (12,500 pounds)
- Warbirds (i.e., ex-military aircraft)
There are also specific excluded aircraft makes and models, a full list of which can be found here.
All pilots listed as “approved pilots” in your policy are covered. Qualified flight instructors are automatically approved as pilots but only while providing dual instruction to an approved pilot already named on your policy.
Yes, you can. First, you must complete and return a pilot report to us. After we receive the completed report, we will notify you whether the pilot is approved to be added to your policy, and if they will charge a fee to do so.