Pay-as-you-go workers' compensation for FBOs, MROs, flight schools, and aviation operators — backed by a specialty carrier with deep aviation expertise.
Our workers' compensation carrier is a specialty insurer with deep expertise in employer services programs. Their pay-as-you-go platform integrates directly with Nacelle's payroll system — so your WC premium is calculated and billed every payroll cycle, based on actual wages, with zero true-up at year-end.
Decades of workers' comp expertise, not a generalist insurer trying to fit aviation into a standard template.
Premiums auto-calculated each pay cycle based on actual payroll — no lump-sum deposit, no surprises.
Ramp crews, mechanics, and fuelers classified correctly — no one misclassified as general labor.
Active claim support and return-to-work programs that keep your experience modification factor under control.
Standard carriers don't understand ramp operations. We do.
Aviation ground workers are high-risk and often declined outright by standard carriers who don't understand the work.
Nacelle covers ramp crews, fuelers, line service, and ground operations — the whole team, not just the office.
Multi-state aviation operations create classification nightmares, with different rules and rates in every state.
One policy, correct codes in every state — we handle the classification complexity so you don't have to.
Year-end audits create cash flow emergencies. Operators get surprise bills they weren't budgeting for.
Pay-as-you-go eliminates the audit entirely. You've already paid the right premium each pay cycle — nothing to true up.
Small operators buying coverage individually pay inflated solo rates with no purchasing leverage.
Our pooled employer services platform gets group-level rates — you benefit from scale you couldn't achieve alone.
Precise classification is everything in workers' comp. We know aviation codes.
Commercial Pilots and Crew
A&P Mechanics and Inspectors
Ground Crew and Line Service
Ramp Agents and Ground Operations
Fixed Base Operators (full operations)
Rotorcraft Crew
Remote Pilots and Operators
Office and Administrative Staff
Outside Sales Representatives
Assembly and Production Workers
Instructors and Training Staff
Aircraft Parts and Component Repair
Exact class codes assigned based on your specific operations and state requirements. Multi-code policies handled automatically within Nacelle's payroll system.
No complex billing. No deposit. No audit. Just premiums that match your actual payroll, every cycle.
Your entire team — all roles, all locations — processed through a single payroll system.
The system calculates your WC premium by employee class code and hours worked — no manual computation.
Premium is collected with each payroll run. No separate bill, no lump-sum deposit, no cash flow disruption.
You've already paid the exact right amount every cycle. There's nothing to reconcile — the audit is eliminated.
Everything your workers' comp program should include — at no extra charge.
From general aviation to commercial rotorcraft — we cover the full aviation workforce spectrum.
Fuelers, line service techs, ramp agents, CSRs, aircraft cleaning crews, and office staff.
Full ramp crew coverage others decline
A&P mechanics, IA inspectors, avionics technicians, parts specialists, and shop supervisors.
Correct mechanic classification — no misclassification risk
Commercial pilots, co-pilots, flight attendants, dispatch staff, and ramp support crews.
Crew and ground support on one policy
CFIs, check airmen, ground instructors, simulator technicians, and front desk staff.
Instructor-specific classification and coverage
Rotorcraft pilots, loadmasters, hoist operators, and maintenance technicians.
Rotorcraft-specific underwriting expertise
Remote pilots, payload specialists, UAS technicians, and support operators.
Purpose-built UAS operator classification
The things aviation operators ask us most about workers' comp.
No. Zero deposit to start coverage. Pay-as-you-go means your first premium comes out with your first payroll run — not before your employees' first day on the job.
Nothing — that's the point. Because premiums are calculated and collected every payroll cycle based on actual wages and actual class codes, there's no annual reconciliation required. The audit is eliminated entirely.
Yes. This is a core reason Nacelle uses a specialty aviation WC carrier. Our carrier underwrites aviation ground operations — including fuelers, line service crews, ramp agents, and aircraft cleaning staff. Most standard carriers won't touch these roles, or only cover them at prohibitive rates. We do this routinely.
The program is available in most states. State-specific availability and rates are confirmed during the quote process — and for multi-state operations, we handle the complexity of multiple state requirements under a single program.
We can work with you in two ways: coordinate a mid-term switch from your existing policy if it makes sense, or align your onboarding with your current policy's renewal date so there's no overlap and no gap in coverage. We'll advise on whichever path costs less.
Tell us about your operation — how many employees, what they do, and where. We'll come back with a pay-as-you-go rate built for your specific class codes and state requirements.
Workers' compensation coverage provided by our specialty carrier. Pay-as-you-go program administered through the Nacelle Partners employer services platform. Coverage availability and rates vary by state, class code, and experience modification. Actual premium calculated per payroll cycle.