The FBO Insurance Problem

If any of this sounds familiar, you're not alone.

The PEO Rejection

"We can cover your office staff with our PEO plan, but your ramp workers? Sorry, we can't touch line crews. You'll need to find separate workers' comp coverage for them."

The Fragmentation Nightmare

Your health plan comes from Company A. Workers' comp from Company B. General liability from Company C. Commercial auto from Company D. Property from Company E.

The Renewal Headache

Every single year, you get renewal notices from multiple carriers. Rates are up. Some policies non-renewed. You start the whole search process over again.

The Margin Crusher

Between health insurance premiums for staff and workers' comp rates that seem to go up every year, your labor costs are squeezing your margins.

The Broker Confusion

Your broker says they're "coordinating" everything, but when claims happen or renewals come up, you realize nobody's really in charge.

How Nacelle Partners Fixes This

One insurance program. All your coverage. One phone call. One person who gets your business.

1

Health + Workers' Comp + Everything Else

Our PEO covers your office staff AND your ramp workers. Yes, all of them. We underwrite FBO operations specifically, which means we understand ramp work, fueling, line service, maintenance. One PEO plan covers your entire team.

2

One Integrated Policy

Health insurance, life insurance, workers' comp, general liability, property, commercial auto—all on one policy with one underwriter. No gaps. No overlaps. No confusion.

3

One Renewal Conversation

Instead of managing five renewal dates, you have one. Instead of calling five carriers, you call us. Instead of taking weeks, renewal takes one phone call.

4

Better Rates

How? First, no broker markup for NATA members. Second, our loss prevention and AI claims management actually reduce your costs. Third, better safety programs lead to lower workers' comp rates.

5

One Person Who Gets It

Your Nacelle Partners contact understands FBO operations. They know what ramp work is. They know the specific challenges you face. When something happens, they're accountable for making it right.

6

Instant Quotes & Fast Binding

No weeks of waiting. Get a quote in minutes. Bind your coverage in hours. Start enjoying better insurance immediately.

What Your FBO Program Includes

Your Team's Benefits (PEO)

  • Health insurance with multiple plan options
  • Life and accidental death insurance
  • Short and long-term disability
  • Workers' compensation insurance
  • Payroll administration and tax withholding
  • HR compliance and employee handbook
  • Dental and vision (optional)

Your Business Protection (Commercial Package)

  • General liability (customer injuries, property damage)
  • Property insurance (buildings, hangars, equipment)
  • Commercial auto (fuel trucks, line trucks, chase vehicles)
  • Pollution liability (fuel spills, environmental issues)
  • Umbrella coverage for extra limits

Optional Aviation Coverage (Through IAT Partnership)

  • Aircraft hull insurance (if you own or maintain aircraft)
  • Aviation liability (if you're responsible for aircraft)
  • One contact to coordinate everything

The Financial Impact

What happens when you integrate your insurance program?

Before Nacelle Partners

PEO (office staff) $2,500/mo
Workers' Comp (line crew) $3,200/mo
General Liability $800/mo
Commercial Auto $400/mo
Property Insurance $600/mo
Broker overhead $300/mo
Total Monthly Cost $7,800

Plus: 5 renewal conversations, multiple carriers, no single point of accountability

With Nacelle Partners

Integrated PEO + Workers' Comp $5,200/mo
Commercial Package (GL, Auto, Property) $1,600/mo
Loss prevention & AI claims (included) Included
Broker markup $0
Total Monthly Cost $6,800

Savings: $1,000/month ($12,000/year)

Plus: 1 renewal conversation, 1 carrier, 1 person accountable for your entire program

*Example based on typical 25-person FBO. Your actual numbers will vary. Contact us for a quote specific to your operation.

NATA Member Benefits

If you're a NATA member, you get even better pricing.

Direct Partnership Rates

No broker markup. We partner directly with NATA, which means NATA members get preferred pricing on their insurance programs.

Industry Expertise

NATA certified means we're part of your industry. We understand FBO operations, industry standards, and your specific challenges.

Integrated Safety Programs

Your workers' comp premium is directly tied to safety outcomes. We integrate with NATA Safety 1st programs to help you reduce rates while improving safety.

Tell us you're a NATA member when you request your quote, and we'll make sure you get every benefit you're entitled to.

Questions FBO Owners Ask Us

How quickly can you bind coverage?

Usually within 24 hours from the time we have all your information. Our aviation-specific underwriting process is built for speed.

Do you really cover ramp workers?

Yes. That's a core part of our model. We specifically underwrite for ramp service, line crews, fuelers, and maintenance staff. Other PEOs don't. We do.

What if I have a claim?

Report it to us. Our AI system kicks in immediately—connects you to the right adjuster, initiates protocols, and starts investigating within hours. Most claims move faster than with traditional carriers.

Do you work with aviation-specific risks like flight instruction?

Yes. Flight instruction, maintenance, aircraft sales, ramp service, fuel sales—we underwrite all the specialized codes that apply to FBO operations.

How does renewal work?

One phone call. We review your prior year, make sure nothing has changed materially, and you get a renewal quote. Usually takes 15 minutes.

What about environmental coverage?

Included in your commercial package. Fuel handling and potential spills are covered.

Ready to simplify your FBO's insurance?

See how much easier (and cheaper) insurance can be when it's built specifically for FBOs.

NATA members: Let us know you're a member to receive preferred rates