Hangar & Hangarkeepers Insurance NZ 2026
Protect your aviation facility and the aircraft in your care. Comprehensive hangarkeepers liability and property coverage for FBOs, maintenance shops, and flying clubs.
What is Hangarkeepers Liability?
Hangarkeepers liability insurance protects aviation businesses that store, service, or maintain aircraft belonging to others. When you have care, custody, or control of someone else's aircraft, you're liable for any damage that occurs while the aircraft is in your possession.
This coverage is essential for any operation that handles customer aircraft, from simple storage to complex maintenance operations. Without it, a single incident could result in significant financial liability.
Hangar Insurance Coverage Types
Hangarkeepers Liability
Coverage for damage to aircraft in your care, custody, and control
- Customer aircraft protection
- Maintenance operations
- Storage liability
- Movement coverage
Building Coverage
Protection for the hangar structure itself
- Fire and weather damage
- Structural damage
- Contents coverage
- Business interruption
Premises Liability
Coverage for injuries occurring on your hangar premises
- Visitor injuries
- Slip and fall claims
- Property damage
- Legal defense
Who Needs Hangar Insurance?
- FBOs (Fixed Base Operators)
- Aircraft maintenance facilities
- Flying clubs storing member aircraft
- Aircraft rental operations
- Private hangar owners storing others' aircraft
- Aircraft dealerships
- Aviation museums
- Restoration shops
Risk Scenarios
Hangar Fire
Multiple aircraft damaged or destroyed
Maintenance Damage
Aircraft damaged during service or movement
Weather Events
Storm damage to hangar and contents
Theft/Vandalism
Security breach affecting stored aircraft
Understanding Coverage Limits
Per Aircraft Limit
The maximum amount payable for damage to any single aircraft.
Example: $500,000 per aircraft limit means that's the most you can recover for any one aircraft, regardless of its actual value.
Aggregate Limit
The maximum total amount payable for all aircraft in a single occurrence.
Example: $2,000,000 aggregate with $500,000 per aircraft. A fire destroying 5 aircraft would be capped at the aggregate.
Key Coverage Considerations
Additional Coverage for Maintenance Operations
Products & Completed Operations
If you perform maintenance, repair, or modification work, you may also need products liability coverage. This protects against claims arising after the aircraft leaves your facility, such as:
- Workmanship errors discovered later
- Parts installation issues
- Inspection oversights
- Documentation errors
Get Your Hangar Insurance Quote
Protect your aviation facility and customer aircraft with comprehensive hangarkeepers coverage. Get quotes tailored to your operation.