What insurance does a aircraft mechanic / a&p mechanic need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to aircraft mechanic / a&p mechanics — what each one covers, whether it's required, and what you should expect to pay in 2026.
Aviation Professional LiabilityRequired
$100–$250/mo
Core protection for A&P mechanics. Covers maintenance errors, inspection sign-off mistakes, and aviation incident claims.
General LiabilityRequired
$30–$80/mo
Covers third-party injuries at your maintenance shop and aircraft handling accidents.
Hangarkeeper's Liability
$40–$100/mo
Covers customer aircraft damaged while in your care, custody, and control.
License Defense
$15–$35/mo
Covers legal costs during FAA investigations of your A&P certificate.
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Top risks for aircraft mechanic / a&p mechanics
- Maintenance error causing aircraft incident
- Aviation accident claim
- Inspection sign-off error
- Customer aircraft damage during service
- FAA certificate investigation
How much does insurance cost?
Most aircraft mechanic / a&p mechanics pay $150–$400/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
Am I liable if an aircraft I maintained crashes?
Yes. Maintenance errors that contribute to accidents can result in catastrophic liability. Aviation professional liability insurance covers your defense in incident and accident claims.
What is hangarkeeper's liability?
Hangarkeeper's liability covers damage to customer aircraft while stored or undergoing maintenance at your facility. It fills the gap left by standard general liability policies that exclude aircraft.
Do IA-certificated mechanics need different coverage?
Inspection Authorization mechanics who sign off on annual inspections have elevated liability. Ensure your professional liability policy covers IA sign-off activities specifically.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most aircraft mechanic / a&p mechanics can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.