“Aviation insurance is not a commodity, it is a relationship business.  To consistently get the best results I believe in developing the right chemistry and relationship between client, broker, and underwriter.”  - Jim Gardner


"Jim’s background as an Air Force pilot, Airline pilot, and aircraft owner allows him to see things not just as an insurance broker but also as a colleague. Having a broker of his character and professionalism gives me the peace of mind to know that my broker is on my side, making my interests his interests."

Todd McCutchan
Director of Aviation, VQBGS, Ltd.
President of Fast Aircraft, Inc.


Jim Gardner, President The James A Gardner Company PO Box 680905Marietta, GA 30068 Phone: 678-278-2100Fax: 678-398-7038

Aircraft and Helicopter Hull & Liability

Aircraft and Helicopter Hull & Liability

Whether you’re flight operation includes a light aircraft, helicopter, corporate jet, commercial airliner, or anything in between, we can find the right aviation insurance solution tailor made for you.


The great thing about aviation is that each aviation operation and risk is unique.  There is no cookie cutter answer like other property and casualty risks. 


Contact Jim Gardner for a personal consultation.  Phone 678-639-4108 or email through the Contact page on this website.  We will act as your advocate in the marketplace, guide your through the process, fully explain the options, and negotiate the best terms available that meet your needs and operation.  As your aviation insurance broker, we are just a phone call or email away.  We work for you, earning your trust every day.


Some of the factors impacting aircraft hull and liability insurance include:



Aircraft type, age, and seating capacity

Agreed Value to insure the hull

Liability Limits – What you need vs. what is available and the price/value tradeoff.

Ancillary Coverages—there can be a great number of options depending on your choices and operation

Purpose of Use– whether private or commercial use, owner or professional pilots, the mission and who is usually on board

The Named insured— The policy owner - aircraft owner or operator.

Additional Insured—will anyone other than the Named Insured have an insuraable interest in the aircraft or operation.

Lien Holders—how do the loan covenants impact the insuring agreement

Pilot(s)—owner, employee or contract pilot, it can make a difference

Pilot qualification and training options including the impact on liability limits and price

Territory—Area of Operation

Estimated Annual usage.


To obtain an online quote go the Quotes & Forms tab on the menu bar. 


For informative articles and additional information about aviation insurance, go the the Resources tab on the menu bar.