# Insurance for aviation businesses, flight schools and maintenance organisations in Germany

> In aviation the law dictates what must be insured before the first aircraft even taxis. Add the hangar, spare parts, workshop and people whose licence depends on their health. This page shows what is compulsory, what makes sense and where the costs lie.

Quelle/Source: https://www.nammert.com/en/business-insurance-aviation.php  
Updated: 2026-09-18

## What is the minimum insurance I need to operate an aircraft?

Operator's liability under § 43 LuftVG. The minimum limits depend on the maximum take off mass and are set out in EU Regulation 785/2004; they apply to small aeroplanes and helicopters too. If you carry passengers, for example on pleasure flights or with passengers during training, passenger liability per seat is added. Without this proof there is no registration and no take off.

## At a glance

- **Compulsory:** Operator's liability for every aircraft under § 43 of the German Aviation Act (LuftVG), with minimum limits set by EU Regulation 785/2004; carrying passengers also requires passenger liability; drones fall under the obligation too
- **Biggest risk:** A crash or landing accident with injuries and third party damage, and the aircraft written off
- **Basic cover from:** about €250 a year of operator's liability for a microlight; considerably more for a training aircraft carrying passengers
- **Statutory accident insurer:** the BG Verkehr (aviation section), the Berufsgenossenschaft or statutory accident insurer; compulsory for employed pilots, flight instructors and engineers
- **Often forgotten:** Loss of licence: if a pilot or instructor loses their medical fitness, standard income protection does not automatically pay
- **WZ 2025 / NACE:** 33.16 Reparatur und Instandhaltung von zivilen Luft- und Raumfahrzeugen, 51.10 Personenbeförderung in der Luftfahrt, 51.21 Güterbeförderung in der Luftfahrt, 51.22 Raumtransport, 77.35 Vermietung von Luftfahrzeugen

## What goes wrong in this trade

- **Landing accidents:** A crosswind, a ground strike during a go around, a collapsed nose wheel: in training, landing accidents are the most common losses.
- **Crash with third party damage:** A crash onto a residential area, a road or a power line causes damage many times the value of the aircraft.
- **Hangar and apron:** One aircraft rolls into another, a hangar door closes on a wing, a fuel bowser clips a tail.
- **Maintenance errors:** A wrongly fitted part, a missed inspection: maintenance organisations are liable for consequences that may only show months later.
- **Fitness and licence:** Heart, eyes, diabetes: anyone who loses their medical may no longer fly, even if they could otherwise still work.
- **Storms on the ground:** Hail on the apron and gales that shift parked aircraft hit aeroplanes without a hangar space.

**Risk radar** (Compared with other trades, 1 low to 5 high.): Liability 5, Fire and water 5, Theft 2, Cyber 3, Downtime 4, Health 5

## The insurance you need

- **Business liability** (Essential): Aviation operator's liability and passenger liability are compulsory; airfields, hangars and maintenance also need aviation business and product liability. We approach specialist insurers for this. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Commercial buildings** (Strongly advised): Covers a hangar, workshop and training building you own, including storm and hail. https://www.nammert.com/en/insurance-broker-commercial-buildings.php
- **Business contents** (Strongly advised): Covers spare parts, tools, test equipment and simulators against fire, burglary and escape of water. https://www.nammert.com/en/insurance-broker-business-contents.php
- **Occupational disability** (Strongly advised): With a loss of flying fitness clause, so that losing your licence does not end your income. https://www.nammert.com/en/insurance-broker-occupational-disability.php
- **Group accident insurance** (Strongly advised): Accident cover for flight instructors, pilots and students with aviation risks expressly included. https://www.nammert.com/en/insurance-broker-group-accident.php
- **Drone insurance** (Depends on the business): For businesses that use drones commercially, for example for inspections or surveying. https://www.nammert.com/en/insurance-broker-drone-insurance.php
- **Business interruption** (Depends on the business): Keeps a flight school or maintenance business afloat if the hangar is out of action after a fire. https://www.nammert.com/en/insurance-broker-business-interruption.php

## What it costs: example prices

Aviation insurance is almost always priced individually. What matters is take off mass, seats, value when new, type of use (private, training, commercial transport), pilot experience and claims history.

| Insurance | Example | Typical range |
| --- | --- | --- |
| Business liability | Microlight, operator's liability at the statutory minimum | about €250 to €600 a year |
| Business liability | Single engine training aircraft up to 1,200 kg, operator's and passenger liability | about €1,000 to €2,500 a year |
| Business liability | Maintenance organisation for light aircraft, aviation product liability | about €2,000 to €6,000 a year |
| Commercial buildings | Hangar with workshop, rebuild value €800,000 | about €800 to €2,000 a year |
| Drone insurance | Commercial inspection drone up to 25 kg, €1 million limit | about €100 to €400 a year |

For comparison: Operator's liability for a microlight costs about as much a year as two or three flying hours in the same aircraft.

_Guide prices excluding German insurance premium tax from our own quoting work, as of September 2026. Hardly any tariff examples are published for aircraft. Hull insurance for the aircraft comes on top and, depending on value and use, is often a few per cent of the sum insured._

- [Luftverkehrsgesetz § 43: Haftpflichtversicherung](https://www.gesetze-im-internet.de/luftvg/__43.html)
- [BG Verkehr: Branche Luftfahrt](https://www.bg-verkehr.de/)

## Our suggestions: three packages

- **Microlight and club** (Microlight owners and small clubs without commercial passenger flights): Business liability, Group accident insurance. Together: about €400 to €1,000 a year per aircraft
- **Flight school** (Flight school with two to five training aircraft and instructors): Business liability, Group accident insurance, Business contents, Occupational disability. Together: about €5,000 to €15,000 a year, excluding hull cover for the aircraft
- **Aviation business** (Maintenance, hangar, pleasure flights or charter with its own site): Business liability, Commercial buildings, Business contents, Group accident insurance, Business interruption, Drone insurance. Together: priced individually by fleet and activity

## The worst day at the airfield

Six events flight schools and aviation businesses really know, all on one Saturday. Tap through and see who pays.

- 08:20: Pulling a training aircraft out of the hangar, its wing clips the tail of a visiting aircraft parked inside. (€18,000, Paid by: Business liability)
- 10:45: A student lands hard in a crosswind, the nose wheel collapses and a fence at the edge of the field is damaged. (€4,500, Paid by: Business liability)
- 12:30: A passenger on a pleasure flight is hurt on the wing while getting out. (€3,500, Paid by: Business liability)
- 14:10: A flight instructor falls off the wing while refuelling and breaks a wrist. (€8,000, Paid by: Group accident insurance)
- 16:50: Hail damages the spare parts in the open store and the hangar roof. (€26,000, Paid by: Commercial buildings)
- 19:00: The aviation medical examiner finds a heart rhythm disorder in the owner, and her medical is suspended. The pension with a loss of flying fitness clause pays in the first year. (€30,000, Paid by: Occupational disability)

**Damage so far:** €90,000

## Practical tips from your broker

- Check that your operator's liability meets the EU Regulation minimums for the actual take off mass, especially after modifications.
- Passengers and students must be recorded per seat in passenger liability; paid pleasure flights need commercial cover.
- Hangar keeper's liability covers damage to third party aircraft kept in your hangar, which operator's liability does not.
- Maintenance organisations need aviation product liability; general public liability policies almost always exclude aviation products.
- Income protection and accident cover must expressly include aviation risks and loss of flying fitness, otherwise the cover is missing exactly where you work.
- If you use drones commercially you need separate drone liability; German law requires it.

## Why NAMMERT for your business

- **We find the specialists:** Only a few insurers write aviation risks. As a broker we approach several and compare limits, deductibles and exclusions.
- **We know what settling a claim means:** In boat insurance we handle claims ourselves. After a landing accident we bring loss adjuster, insurer and maintenance shop together so your aircraft flies again quickly.
- **Flight operations and private in one place:** Operator's liability, hangar, loss of licence and your personal provision all run through us.
- **Family run since 1989:** Free for you; the insurer pays our commission. You have named contacts who know your fleet.

## FAQ

### Is aviation liability insurance compulsory?

Yes. Under § 43 LuftVG every aircraft operator must hold liability insurance, and the minimum limits are set out in EU Regulation 785/2004.

### Do flight schools need passenger liability?

If students or passengers are on board, yes. The cover is agreed per seat and is needed in addition to operator's liability.

### What does insurance for a training aircraft cost?

In our experience, operator's and passenger liability for a single engine training aircraft usually come to €1,000 to €2,500 a year, with hull cover on top depending on value.

### Does standard income protection cover loss of licence?

Not automatically. Pilots need a clause that recognises the loss of flying fitness as a claim.

### Which Berufsgenossenschaft is responsible?

For aviation businesses and flight schools the BG Verkehr, Germany's statutory accident insurer for transport. Membership is compulsory for employed pilots, flight instructors and engineers.

### Do I need separate insurance for drones?

Yes. Drones are aircraft too, operator's liability is compulsory, and commercial use needs commercial cover.

## Request quotes

We obtain quotes and come back with a comparison. Free of charge and without obligation: the insurer pays our commission. You can write in English. https://www.nammert.com/en/business-insurance-aviation.php#anfrage

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NAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker.

NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, +49 3375 29 12 77, info@nammert.com. Wikidata: Q141141479.