The MRO Insurance Challenge

MRO operators face exposures that most insurance carriers don't understand.

Completed Products Liability

Your shop gets an aircraft for a 100-hour inspection. You do flawless work. The aircraft leaves your facility. Two weeks later, a maintenance issue creates a liability claim.

Environmental Liability

You handle hazardous materials—solvents, engine oils, fuel, degreaser. What happens if there's a spill? Environmental remediation can cost six figures.

A&P Mechanic Classification

Your A&P mechanics are critical. They're also highly skilled and difficult to replace. When they get injured, workers' comp needs to properly classify them—not as generic mechanics, but as aircraft maintenance specialists.

Tools & Equipment

You've invested heavily in specialized test equipment, tooling, and diagnostic systems. If that equipment is stolen or damaged, your operation grinds to a halt.

Customer Aircraft on Your Property

When an aircraft is in your shop, you're responsible for it. That creates exposures that standard property and liability coverage doesn't address.

How Nacelle Partners Solves This

Insurance built specifically for MRO operations—not a generic commercial program forced into aviation.

1

Completed Products Liability

Included in your comprehensive package. We specifically cover work that leaves your facility, because we understand that's where MRO risk concentrates.

2

Environmental Liability

Fuel, solvents, cleaners, oils, hazmat—all covered. Pollution liability for chemical spills, groundwater contamination, and environmental remediation costs are included.

3

Aviation-Specific Workers' Comp

A&P mechanics, avionics technicians, engine specialists—all classified correctly as aviation maintenance workers (NCCI codes 7403, 7421, 7422).

4

Tool & Equipment Coverage

Specialized test equipment, diagnostic systems, tools—all scheduled and covered under your property policy.

5

Care, Custody & Control

Customer aircraft in your shop are covered. Property damage to aircraft in your care is addressed.

6

One Integrated Program

Health insurance for your team, workers' comp for your mechanics, general liability, property, environmental, and commercial auto—all on one policy.

Your Complete MRO Insurance Program

Workers Compensation (The Foundation)

Your team includes skilled technicians who deserve proper coverage. We classify them correctly as aviation maintenance workers.

  • A&P Mechanics - NCCI Code 7403/7421
  • Avionics Technicians
  • Engine & Propeller Specialists
  • Repair Station Inspectors
  • AI Claims Management for faster resolution
  • Loss Prevention Programs tied to NATA Safety 1st

General Liability & Completed Products

This is where MRO-specific underwriting matters most.

  • Bodily injury and property damage liability
  • Completed Products Liability (work that leaves your facility)
  • Products Liability (parts and materials you sell or install)
  • Contractual liability
  • Errors & Omissions coverage (if required by customers)

Environmental Liability

Critical for MROs handling hazardous materials.

  • Pollution liability for chemical spills
  • Cleanup and remediation costs
  • Groundwater contamination
  • Regulatory fines and penalties
  • Defense costs

Property Insurance

Protecting your facility, equipment, and inventory.

  • Building and structure coverage
  • Specialized test equipment and tools
  • Parts and materials inventory
  • Aircraft in your care, custody, and control
  • Business interruption (if your shop is damaged)

Commercial Auto

Coverage for your service vehicles and transport.

  • Service vehicles (tow trucks, equipment transport)
  • Aircraft tug/tow vehicles
  • Employee commute vehicles
  • Hired and non-owned auto coverage

Employee Benefits (PEO)

Attracting and keeping top talent.

  • Health insurance with multiple plan options
  • Life and disability coverage
  • Payroll administration
  • HR compliance and documentation

Why MROs Choose Nacelle Partners

Completed Products Expertise

We've underwritten completed products liability for MROs. We understand that your risk profile changes when work leaves your facility.

Environmental Compliance

FAA compliance, EPA compliance, state environmental regulations—we help you stay compliant and covered.

Repair Station Support

Whether you're a Part 145 Repair Station or operate under another certification, your coverage is built around your specific certification requirements.

Loss Prevention for Maintenance

Our loss prevention programs connect with NATA Safety 1st and FAA resources. Actual safety improvements drive actual rate reductions.

AI Claims Management

When something goes wrong, our system doesn't wait. AI immediately routes the claim, initiates investigation, and coordinates with all parties.

One Point of Contact

When your MRO needs insurance support, you call one number. One person understands your entire program.

MRO Questions We Hear

Do you cover Part 145 Repair Stations?

Yes. We specifically build programs for Part 145 operations. Your insurance meets your certification requirements.

What about customer requirements?

Tell us what your customers require. We build your program to meet those requirements and provide certificates of insurance in the format your customers need.

How do you handle environmental liability?

It's built into your program as a separate line item. Pollution liability, cleanup costs, regulatory penalties—all covered.

What about aircraft in my shop?

Covered under your property and liability policies. We specifically address aircraft in your care, custody, and control.

Do you understand completed products liability?

Yes. Completed products is where most MRO risk concentrates. We specifically underwrite for it.

How are my mechanics classified?

As aviation maintenance workers using NCCI codes 7403, 7421, or 7422—depending on their specific role. Not as generic mechanics.

Ready for insurance built for your MRO?

Get a quote and see how much better insurance can be when underwriters understand maintenance operations.