Why can’t I get higher limits of liability coverage?

For owner flown piston aircraft, getting limits of liability over $2,000,000 is becoming increasingly difficult. For owners who need it, there may be excess liability available. Higher liability limits are readily available for turbine aircraft and/or aircraft flown with professional pilots.

Since the passage of the General Aviation Revitalization Act, manufacturers are less exposed in litigation. This leaves the aircraft owner a larger target and their insurers have responded by reducing the limits they will expose at the current pricing levels.