Insurance & Professional Liability

Professional Liability — also called Errors & Omissions (E&O) — covers a broker against claims of negligence, mistakes or omissions in the professional services we provide: quoting, contracting, operator selection, due diligence, disclosures, payment handling and itinerary management. It pays defence costs and indemnity for covered claims up to the policy limit. It does NOT cover the operation of the aircraft itself — that exposure sits with the certificated operator's aviation hull and liability insurance.

Limitless Sky and Sea LLC carries a Professional Liability policy with Berkshire Hathaway Direct (US Liability Insurance Company), policy number N8PL633487, with limits of USD 1,000,000 per claim / USD 1,000,000 aggregate. The policy is effective 29 June 2026 through 29 June 2027 and includes a USD 100,000 cyber liability rider. The certificate is available for download on this page.

Two distinct policies cover two distinct risks. The operator carries aviation hull and passenger liability insurance — typically USD 100M–500M combined single limit on heavy jets — covering the aircraft, crew, passengers and third parties during operation. The broker's E&O covers professional services: a misquote, an incorrect tax calculation, a contracting error, a delayed disclosure or an operator-vetting failure. On every Limitless Sky charter, both layers apply: operator aviation liability on the flight, broker E&O on our work.

Brokers do not hold operational control of the aircraft — that is the operator's responsibility under 14 CFR § 295.5 and equivalent rules in the EU and UK. Our exposure is professional: choosing the right operator, presenting accurate prices and taxes, delivering the 14 CFR § 295.24 disclosures, segregating client funds, and contracting on terms that match what the client paid for. E&O insurance backstops those duties.

Yes. Every operator we contract with must carry passenger liability that meets or exceeds Montreal Convention 1999 limits (currently 151,880 SDR per passenger for international flights, approximately USD 205,000 / EUR 190,000) and aircraft-specific minimums under Regulation (EC) 785/2004 for EU operations and 14 CFR Part 135 in the US. Heavy-jet operators we use typically carry USD 200M–500M combined single limit. Operator insurance certificates are verified at onboarding and re-verified annually as part of SOP-01 operator verification.

The cyber rider covers data breach response, business email compromise, ransomware extortion, regulatory defence (including under GDPR and US state breach-notification laws) and third-party privacy claims arising from a security incident involving client personal data we process. It complements our GDPR international transfer policy and SOP-07 GDPR data handling.

Yes. Client funds are held on a segregated account separate from operational capital until the flight is released and operator settlement is made, in line with our payment terms. The arrangement is described in detail on the EU package travel & insolvency protection page. Professional Liability cover is separate from insolvency protection; both layers operate independently.

Our E&O cover responds to claims arising from the professional services we provide as an air charter broker. Ground transfers, catering, FBO services and concierge bookings are arranged on the client's behalf with third-party providers; those providers carry their own insurance and contract directly with the client where the package travel rules apply. Where we act as an organiser under Directive (EU) 2015/2302, additional insolvency protection is added — see the insolvency protection page.

On request, and for individual or corporate charters that meet the operator's underwriting criteria, the operating carrier can issue an additional-insured endorsement naming the charterer for the duration of the trip. Limitless Sky coordinates the request with the operator's broker and forwards the endorsement before departure. Lead time is typically 48 hours.

Yes. We share the operating carrier's certificate of insurance with the charterer before payment is collected. The certificate confirms the operator, the aircraft, hull and liability limits, war risk cover and the certificate expiry date. If a renewed certificate is issued mid-trip, we forward it on request.

Annually at renewal, and whenever the business materially changes — for example, expansion into a new regulated jurisdiction, addition of a new service line, or a change in transaction volumes that affects the underwriter's exposure model. The next scheduled renewal is 29 June 2027.

Send written notice to charter@thelimitlesssky.com with the subject line "E&O notice — [trip reference]". For incidents involving the operation of the aircraft, contact the operator directly and notify us in parallel; we will coordinate with the operator and, where appropriate, our insurer. See the broker disclosure page for the full notice and complaints procedure.