COISoftware collects a certificate of insurance from every tenant, fuel and ground handler, maintenance provider and construction contractor working on your field, reads each ACORD 25 with AI, checks the high aviation liability limits airport work demands, and confirms your airport authority, sponsor or FBO is named as additional insured on a primary and noncontributory basis. Built for US airports, fixed base operators and aviation service companies. Upload a COI above to see it read in seconds.
Last updated July 2026
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A fueler, a hangar tenant and a paving contractor carry different risk, so airports require different coverage by scope. These are common starting points, not legal or insurance advice.
| Operator type | Coverage commonly required | Why the airport verifies it |
|---|---|---|
| Fuel and de icing operators | General liability, contractors pollution liability, commercial auto, umbrella, additional insured | Fuel and de icing create a spill and environmental exposure standard general liability excludes |
| Fixed base operators and ground handlers | High general liability, aircraft or hangarkeepers liability, workers compensation, additional insured primary and noncontributory | Handling aircraft on the ramp can cause a large hull loss their policy must answer first |
| Aircraft maintenance and MRO | General liability, hangarkeepers, products and completed operations, umbrella | Work performed on an aircraft carries a products and completed operations exposure |
| Hangar and terminal tenants | General liability, property, hangarkeepers if storing aircraft, additional insured, waiver of subrogation | A leased premises loss can involve the airport as landlord and sponsor |
| Construction and paving contractors | General liability with large umbrella, commercial auto, workers compensation, additional insured | Airside construction near active aircraft movement carries a catastrophic exposure |
Set requirements to your own minimum standards, leases and risk tolerance. Coverages shown are common starting points, not legal or insurance advice.
An airport hosts dozens of independent operators on one piece of ground: FBOs, fuelers, ground handlers, aircraft maintenance shops, hangar tenants, construction crews and concessionaires, each carrying its own policy. A single ramp incident can damage a multimillion dollar aircraft or injure a worker, so airport agreements require higher limits and aviation specific coverage that a generic certificate check misses.
A fuel truck backing into a business jet or a hangar door dropped on a wing is a loss large enough to exhaust an ordinary limit in one event. Airports and FBOs commonly require general liability from one to five million or more, plus aircraft or hangarkeepers liability for anyone handling aircraft, and a certificate showing an office grade limit falls short on a ramp.
A fueler, a caterer, a line service crew and a paving contractor carry very different risk, so each needs coverage matched to what it actually does on the field. A single blanket requirement either overinsures the caterer or underinsures the fueler, and sorting that out by hand across every tenant is slow.
Airport authorities, municipal sponsors and FBOs almost always require to be named additional insured on a primary and noncontributory basis with a waiver of subrogation, and sometimes several parties at once. Confirming the exact endorsement forms are attached, not just that a box is checked, is easy to get wrong across a full tenant roster.
Fuel farms, into plane fueling and de icing operations create a spill and environmental exposure standard general liability excludes. Holding fuel and de icing operators to pollution coverage is a check a generic COI review usually skips.
A tenant cleared last year may be operating on coverage that expired last month. Without automatic renewal tracking, a lapsed COI sits unnoticed until an incident exposes it, and airside that gap can turn a covered loss into an uninsured one.
Ramp permits, ground handling agreements, hangar leases and badged access all require proof of current coverage, and when a certificate lapses the paperwork that authorized access is no longer supported. Tracking that by hand across every operator and every permit is where things slip.
The certificate a tenant hands over at lease signing is a snapshot from that day, not proof of coverage through a multi year operating agreement. Confirming that every operator bought the right coverage, including the high limits, aircraft or hangarkeepers liability and pollution coverage aviation work needs, kept it current, and named your airport authority, sponsor or FBO as additional insured on a primary and noncontributory basis is repetitive, rules based work across a large tenant and vendor roster. That is exactly what software handles well. Certificate of insurance management software reads every certificate, checks it against each operator requirement, and flags anything short, expired or missing, so your operations team is not chasing PDFs before an operator goes airside.
COISoftware reads every operator certificate, checks it against the high limits and endorsements airport work requires, confirms additional insured and waiver of subrogation, and gives you one view of insurance compliance across every tenant, vendor and permit.
Upload a certificate from a tenant, fueler, ground handler, maintenance shop or contractor and the AI pulls the insurer, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, even from scans and phone photos.
Set the high general liability, aircraft and hangarkeepers limits airport work requires, and every certificate is checked against them, so an operator carrying a limit too small for a ramp loss is flagged before it is cleared airside.
Require pollution coverage on fuel and de icing scopes, commercial auto for ramp vehicles, and hangarkeepers liability for anyone storing or handling aircraft, and each certificate is checked for the coverage that scope actually needs.
See whether your airport authority, sponsor or FBO is named as additional insured on a primary and noncontributory basis with a waiver of subrogation, so the endorsement your lease or operating agreement requires is verified rather than assumed.
Track certificates by tenant, permit and lease, so ramp permits, ground handling agreements and hangar leases are only supported while the coverage behind them is current.
When an operator certificate is about to expire, COISoftware chases for a renewed COI automatically, so no operator stays airside on coverage that lapsed.
COISoftware reads the ACORD 25 and the broader certificate of liability insurance, then ties every certificate into full certificate of insurance management software and ongoing vendor insurance compliance tracking. When a certificate looks off, the same checks behind certificate of insurance verification flag it for review. Construction and paving crews on the field are verified the same way as COI tracking for general contractors, and airport authorities managing public agreements run it alongside COI tracking for government.
Standing up insurance compliance for a new operator follows the same four steps.
Enter the coverages, limits and endorsements each operator type requires, and set the high aviation, hangarkeepers and pollution requirements airport work needs. Vary the rule so a fueler and a caterer each get the right requirement.
Tip: Copy the insurance exhibit straight from your minimum standards or lease so the requirement is tracked from day one.
Request a COI from each tenant, vendor and contractor or upload the certificates you receive. The AI reads every one automatically, so onboarding a full field roster does not turn into weeks of manual data entry.
Each certificate is checked against the requirement for that operator. A short limit, missing hangarkeepers or pollution coverage, and a missing additional insured or waiver of subrogation endorsement are flagged before an operator is cleared airside.
Automated reminders chase any expiring certificate on any permit or lease, so coverage stays current across every operator without your team tracking dates by hand.
Anyone responsible for proving that every operator on an airport or at an FBO carries the coverage the lease or minimum standards require.
An airport running dozens of tenants and permits needs to know, before an operator goes airside, that every fueler, handler, tenant and contractor carries the high limits, hangarkeepers and endorsements the lease and minimum standards require and names the authority as additional insured. COISoftware turns each requirement into a live status, so operations sees a clear pass or flag instead of chasing certificates across the whole field.
An FBO clearing subcontractors, caterers and line service vendors verifies coverage matched to each scope. The same dashboard tracks certificates by vendor, and construction crews on the ramp are verified the same way as COI tracking for general contractors.
The manager accountable if an uninsured operator causes a ramp loss is the one who needs proof of coverage on every tenant and vendor. To collect, verify and monitor every certificate in one place, pair this with vendor insurance compliance software, and if you are comparing platforms, our best COI tracking software roundup walks through the options honestly.
Most airports and FBOs require general liability of at least one million per occurrence, and larger fields or aircraft handling operations commonly require two to five million or more plus an umbrella. Anyone handling or storing aircraft usually carries aircraft or hangarkeepers liability, and nearly every operator must name the airport authority, sponsor or FBO as additional insured on a primary and noncontributory basis with a waiver of subrogation.
Hangarkeepers liability covers damage to aircraft in your care, custody or control while stored, serviced or handled, an exposure standard general liability excludes. FBOs, maintenance shops, ground handlers and hangar tenants that take custody of other people aircraft are usually required to carry it, and airports verify it before those operators are cleared to handle aircraft.
Into plane fueling, fuel farms and de icing create a spill and environmental exposure that standard general liability specifically excludes. Airports require contractors pollution liability from these operators so a fuel spill or runoff event is covered, and a certificate that shows only general liability leaves that gap open on the ramp.
They tie each certificate to the tenant, lease or permit it supports and verify coverage before airside access. COI tracking software reads every certificate, checks it against the requirement for that operator type, and shows one live status board, so an expired or short certificate is caught before the permit it supports is used.
The lease or permit that authorized access is no longer supported by current coverage, so any loss during the gap may be uninsured. COI tracking software sends automated renewal reminders before expiration and flags a lapsed certificate immediately, so operations can hold access until a renewed COI is on file.
Pricing depends on how many operators, tenants and vendors you track and whether you want self serve software or a managed service. COISoftware lists transparent monthly pricing and offers a free tier, so an airport or FBO can start reading and verifying certificates without a sales call. You can test it on your own certificates before paying anything.
