Aviation, Airports & Hangars | Republic Insurance

Built for rural airspace, working runways, and community airports

Republic Insurance Group provides specialized insurance and risk management solutions for rural aviation operations—protecting county and municipal airports, private and ranch airstrips, hangars, and flight schools where aviation is practical, essential, and local.

Coverage for public-use and private rural airports
Hangars, runways, and aviation liability structured correctly
Claims advocacy for complex aviation losses

Aviation beyond commercial hubs

We specialize in non-commercial, rural, and regional aviation, including:

County and municipal airports
Airport authorities and airport boards
Privately owned and operated airports
Ranch and agricultural landing strips
Public-use and private-use airfields
Flight schools and training operations
Fixed-base operator (FBO) services (fueling, tie-downs, storage)
Hangar owners and hangar associations

Rural airports combine infrastructure, public exposure, and aviation liability—often with limited staff and tight budgets. Insurance must reflect that reality.

Core Coverage Solutions

Coverage structured for rural aviation operations

Aviation Liability

Bodily injury and property damage arising from airport operations
Aircraft movement and premises liability
Liability arising from runway and airfield conditions
Tenant, pilot, and public exposure

Airport Owners & Operators Liability

Coverage for county, municipal, and private airport ownership
Runways, taxiways, aprons, and common areas
Public access and non-aviation visitors
Coordination with governmental or quasi-governmental entities

Hangar Legal Liability

Aircraft stored in owned or operated hangars
Fire, explosion, collapse, and weather losses
Coverage for leased or third-party hangars
Legal liability vs. direct primary structures

Property Coverage

Hangars, terminals, offices, and maintenance buildings
Runways, lighting, signage, and navigational aids
Fuel tanks and airport infrastructure
Tenant improvements and equipment
Loss of income (where applicable)

Commercial Auto

Airport vehicles, fuel trucks, and service equipment
Maintenance and operations vehicles
Hired and non-owned auto exposure

Workers’ Compensation

Airport staff, line service, instructors, and maintenance personnel
Injury prevention and safety coordination
Employer liability alignment

Umbrella & Excess Liability

Additional limits over aviation and general liability
Often required by counties, municipalities, or lenders

Specialty Coverages

Often critical depending on operations

We regularly place:

Fueling & Pollution Liability – fuel storage, spills, and environmental exposure
Flight School & Instructor Liability – student pilot instruction and training risk
Aircraft Tie-Down & Ground Handling Liability
Equipment Breakdown – lighting systems, pumps, and critical infrastructure
Cyber Liability – scheduling, tenant records, and payment systems
Crime Coverage – theft of fuel, equipment, or funds
Tenant & Lease Requirement Endorsements

Where aviation risk actually lives

Rural aviation exposures differ significantly from commercial hubs and include:

Aircraft movement near public areas and roads
Runway, taxiway, and lighting liability
Hangar fires and aircraft storage losses
Fuel storage, fueling operations, and spills
Flight training and student pilot exposure
Limited emergency response resources
Weather, wind, wildlife, and terrain hazards
Lease and use agreements with pilots and tenants

We focus on how your airport or airstrip is used day to day, not just how it’s labeled.

Common accounts we insure

County-owned rural airports
Municipal airports and airport authorities
Private airports and airparks
Ranch and agricultural landing strips
Community hangar facilities
Privately owned hangars
Flight schools and instructor-led operations
Aviation-related public entities and districts

A practical approach to aviation insurance

Rural aviation doesn’t have room for guesswork.

Our approach:

1. Operational review
We evaluate runway use, hangar occupancy, fuel handling, and public access.

2. Coverage coordination
We align aviation liability, property, auto, and workers’ comp to avoid overlap or gaps.

3. Risk management support
Guidance on leases, waivers, pilot agreements, and safety controls.

4. Claims advocacy
When an aviation loss occurs, we help manage complexity and communication.

What airport sponsors value most:

Experience with non-commercial aviation risks
Clear, defensible coverage structures
Responsiveness when issues arise

Frequently Asked Questions

1) Do rural airports need aviation-specific liability?
Yes. Standard general liability often excludes aviation-related exposures.

2) Are private ranch airstrips insurable?
Often yes, but use, access, and aircraft activity must be reviewed carefully.

3) Does this cover tenant-owned aircraft?
Coverage depends on hangar legal liability structure and lease agreements.

4) Is flight instruction considered higher risk?
It can be. Coverage must reflect student pilot activity and instructor exposure.

5) What about fuel storage and fueling operations?
Fuel introduces significant liability and environmental exposure that must be addressed.

6) Can counties or municipalities be named as additional insureds?
Yes, when structured correctly and supported by contracts.

7) Is an umbrella policy recommended?
Often yes—especially for public-use airports or those with flight training.

8) How often should aviation coverage be reviewed?
Annually, and anytime operations, tenants, or facilities change.

Insurance built for rural aviation

From county airports and municipal airfields to private ranch strips and hangars, Republic Insurance Group helps protect the aviation infrastructure rural America depends on.