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Helicopters vs Fixed-Wing
Different usage patterns, maintenance profiles, and insurance frameworks shape helicopter underwriting. Commercial missions (utility, tours, EMS) require more documentation and may influence terms and LTV.
Underwriting & LTV
- LTV commonly 60–80% based on model, support, and mission.
- Insurance and pilot experience are critical—budget for training standards.
- Logs, component times, and maintenance program status drive valuation; see LTV & appraisals.
Examples
Robinson R44/R66: Popular private/commercial. Time‑limited components require careful planning. Bell 206/407: Utility/tour work; strong support networks. Airbus H125/H130: High‑altitude performance and commercial usage—documentation intensive.
Structures
- Terms 5–12 years; balloons 10–30% depending on mission and resale plans.
- Payment cadence matched to seasonal revenue; compare quarterly vs monthly.
- Fixed vs variable selection based on mission volatility; see rate guide.
Insurance & Compliance
Policy wording for commercial operations can be complex. Coordinate with brokers early; see insurance requirements. FAA registration/title: FAA registry.
Related Articles
External references: FAA Registry · NBAA · AOPA Insurance