Fixed Base Operators (FBOs) are airport-based commercial operators that provide some or all of the following services: line service, aircraft and engine maintenance, parts and accessories sales, aircraft sales, charter and rental operations, corporate flight support, and flight training. Line service typically includes fueling, deicing, ground handling, and interior/exterior cleaning. FBO exposures range from general liability and premises risks to products and pollution liability tied to fueling, plus aviation-specific risks such as hull and liability for aircraft on the ramp.
Overview of This FBO Program
This program is built for agents and brokers seeking placement options for Fixed Base Operators. Arlington/Roe serves as a managing general agency and an excess & surplus lines broker, providing access to a wide panel of markets—over 35 aviation insurance carriers. We can address the full range of FBO exposures with both admitted and non-admitted market solutions.
Ideal Accounts and Appetite
- Independent and airport-based FBOs offering fueling, line services, ground handling, and aircraft parking.
- Operations that combine limited maintenance, parts sales, and light repair with ramp services.
- FBOs supporting corporate, charter, and general aviation customers across piston, turboprop, and business jet activity.
- Flight schools, charter support facilities, and ground service providers that operate on airport property.
Best-fit accounts are established FBOs with documented safety procedures, formal fuel-handling training, and defined maintenance controls. We have limited appetite for accounts with unresolved major loss histories, repeated pollution incidents, or large heavy-maintenance shops lacking robust controls—every submission is reviewed on its individual merits.
Coverage Highlights and Advantages
- Access to both admitted and non-admitted markets to increase placement flexibility.
- Programs that can combine general liability, products liability, premises and operations, pollution liability for fuel-handling risks, and aviation hull & liability for on-ramp exposures.
- Options to handle non-owned aircraft exposures and ground-handling liability.
- Workers’ compensation solutions tailored for aviation payroll classifications, including FBO staff, mechanics, and line-service employees.
- Industry-focused underwriting by career aviation brokers who understand airport operations, tenant agreements, and regulator expectations.
Underwriting Notes and Minimum Premiums
- Underwriters evaluate loss history, fuel-handling and spill-control procedures, employee training, maintenance controls, tenant agreements, and airport lease arrangements.
- Submissions with written safety programs, training records, maintenance logs, environmental controls (spill kits, secondary containment) and documented tenant/lease language improve placement likelihood.
- Minimum premiums and retentions vary by carrier and state; submit through your usual CompleteMarkets flow or contact the underwriting team for market-specific guidance.
Territories and Availability
Admitted status: All Available Markets (admitted and non-admitted options). This program supports placements across the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability may vary by carrier and by the specific exposures of an account.
Why Work With Our Team on FBO Business
- Specialized aviation underwriting knowledge from a team with deep, long-term industry experience.
- Broad market access—over 35 aviation carriers—so placements can be tailored to admitted or E&S solutions.
- Hands-on support: we help package submissions, document exposures, and present accounts to underwriters to improve quote outcomes.
Example fits
- You might have a municipal airport FBO that provides fueling, basic line service, and aircraft parking—this program targets markets that combine premises liability and pollution coverage.
- You might place a corporate FBO that offers limited maintenance and parts sales alongside charter handling—our markets can consider combined general liability, products liability, and non-owned aircraft exposures.
Frequently Asked Questions
What types of FBO accounts are a good fit for this program?
Established FBOs with fueling/line service, limited maintenance, flight support, or parts sales are the core appetite. Strong candidates have documented safety programs, employee training, and pollution controls. Each account is evaluated case-by-case.
Which coverages can I place through this program?
Markets we represent can provide general liability, products liability, pollution liability tied to fueling operations, non-owned aircraft liability, and tailored workers’ compensation programs. Availability depends on the submission details and chosen market.
How do I submit an account for consideration?
Provide a completed ACORD application (or carrier-required submission form), five-year loss runs, and details on fuel-handling and spill controls, maintenance procedures, and employee training records. Submissions through CompleteMarkets will be routed to appropriate underwriters for review.
Is this available in my state and can I access admitted markets?
This program supports placements in admitted and non-admitted markets across the listed states and DC. Specific admitted availability depends on the carrier—underwriters will indicate admitted versus E&S options during quote development.
Need help placing an account? Connect with a market specialist.