1. Owned Hangar Building & Ground-Lease Structure Property
Most private and corporate hangars are privately owned buildings sitting on long-term municipal, county, or port airport ground leases (or residential airpark lots). We insure the hangar structure itself — including high-value bi-fold or hydraulic hangar doors, heating, and pilot lounges — at Replacement Cost against fire, wind, snow load, and aircraft/vehicle impact.
Real-world example: If a winter windstorm or heavy snow load damages your 60x60 box hangar roof or bends a $35,000 bi-fold hangar door, Hangar Property coverage pays for the repair.
2. Hangarkeepers Legal Liability (Non-Owned Aircraft in Your Care)
If a friend's, tenant's, or customer's airplane is parked inside your hangar or being moved by your tug, your standard liability policy excludes damage to property in your 'Care, Custody, or Control.' Hangarkeepers Legal Liability covers physical damage to non-owned aircraft while hangared, serviced, or taxied/towed on the ground.
Real-world example: If you lease a corner of your box hangar to a hangar-mate or perform an annual inspection in your shop and a falling light fixture or tug mishap dents their wing, Hangarkeepers pays for the repair.
3. Airport Premises Liability (Inside the Airport Fence)
Municipal and port airport ground leases require $1M to $5M in Aviation Premises Liability naming the Airport Sponsor/City/Port as Additional Insured. Unlike standard commercial GL (which often excludes airside accidents), Aviation Premises Liability is built specifically for hangars, ramps, and taxiways.
Real-world example: If a guest, vendor, or hangar tenant slips on an oil spot or icy apron outside your hangar door, Aviation Premises Liability defends you and the airport.
4. Tugs, Ground Support Equipment (GSE), Shop Tools & Avionics Benches
Covers your electric or gas aircraft tow tugs, GPUs (ground power units), hydraulic jacks, air compressors, A&P mechanic toolboxes, calibrated avionics test equipment, and spare aircraft parts stored inside your hangar.
Real-world example: If an electrical fire in the hangar shop destroys your aircraft tug, hydraulic jacks, and $40,000 in mechanic tools, GSE & Contents coverage replaces them.
5. Loss of Hangar Rental Income (For Hangar Landlords & Developers)
If you own a multi-unit T-hangar row or sublease space in a large corporate hangar to other aircraft owners, Loss of Hangar Rents reimburses your lost monthly tenant rent checks if a fire or windstorm renders the hangar unusable during reconstruction.
Real-world example: While a wind-damaged hangar row is being rebuilt over six months, Loss of Rental Income keeps your ground-lease payments and hangar loan covered.
6. Aviation Products & Completed Operations (For A&P / IA Shops & FBOs)
For commercial maintenance shops, avionics installers, and FBOs, Completed Operations covers claims alleging that faulty maintenance, inspection, or fueling caused an accident after the aircraft left your hangar.
Real-world example: If an aircraft suffers an in-flight engine issue weeks after an overhaul and the owner alleges improper torqueing by your maintenance shop, Aviation Products/Completed Operations defends your business.
