Insurance Carriers & Underwriters
How aviation liability carriers and underwriters use AirIndex to verify heliport compliance, screen portfolios, and build defensible underwriting baselines for AAM.
An aviation liability carrier has a book of business covering heliports across multiple states. Their underwriting process relies on self-reported documentation from facility owners. No standardized compliance verification exists. Of the thousands of FAA-registered heliports in the US, AirIndex has ingested over 26,000 FAA OE/AAA airspace determinations across 17 states — with no mechanism to verify whether the conditions in those determinations were ever implemented. The carrier doesn’t know which sites in their portfolio are compliant, which are conditional, and which represent unquantified liability exposure. FAA Advisory Circulars are used as the ‘standard of care’ in civil lawsuits. Deviation equals negligence exposure.
How the engagement works
| Step | Who | What happens | Output |
|---|---|---|---|
| 1 | AirIndex | Opens the carrier relationship through content visibility, industry events, or direct outreach. AirIndex demonstrates the compliance gap problem: 5,647 registered heliports, 26,000+ FAA determinations with no verification mechanism, and NFPA 418 adoption gaps across jurisdictions. | Introduction + framing |
| 2 | AirIndex | Discovery call. Walks through the compliance gap problem using real data. Demonstrates portfolio-level screening capability: 5,647 registered sites, three-tier output: compliant / conditional / objectionable. | Scope confirmed |
| 3 | AirIndex | Portfolio intake. Carrier provides site list. AirIndex cross-references against FAA NASR records, airspace determination database (OE/AAA), state enforcement posture per market, NFPA 418 jurisdiction adoption, and eVTOL dimensional viability flag. | Pre-screening of all sites |
| 4 | Credentialed Inspector | Physical verification on highest-risk sites flagged in pre-screening. Full SMS risk analysis: TLOF/FATO dimensions, obstruction survey, approach path analysis, documentation review. Standards applied: Title 14 CFR Part 5, ICAO annex, ISO 31000. | Site-level compliance determination |
| 5 | AirIndex | Delivers Portfolio Compliance Screening Report: executive summary, site-by-site compliance matrix, liability exposure quantification by tier, renewal recommendations per asset, remediation roadmap for conditional sites. | Portfolio Compliance Report |
| 6 | AirIndex | Proposes annual monitoring subscription. Compliance status updates as regulations change, sites are remediated, and the June 2026 unified FAA Advisory Circular takes effect. Carrier has a continuously current compliance picture. | Annual monitoring |
COMPLIANT: Passes five-question compliance checklist from available public data and physical verification. No known compliance gaps. Underwriting implication: defensible coverage basis, standard renewal.
CONDITIONAL: Fails one or more checklist questions but gaps are remediable. Physical verification completed. Specific remediation requirements identified. Underwriting implication: coverage conditional on remediation timeline.
OBJECTIONABLE: Fails multiple checklist questions or has a critical gap. Physical verification confirms significant compliance deficit. Underwriting implication: unquantified liability exposure, coverage not recommended without remediation plan.
| Portfolio Compliance Screening | Full portfolio audit. AirIndex automated pre-screening across all sites + physical verification by credentialed inspectors on flagged sites. Deliverable: Portfolio Compliance Screening Report with site-by-site compliance matrix and remediation roadmap. Fee range: $75,000–$150,000 depending on portfolio size.* | Discovery call — then scoped |
| Annual monitoring subscription | Ongoing compliance status updates as regulations change, sites are remediated, and the June 2026 unified FAA Advisory Circular takes effect. Fee range: $25,000–$50,000/year depending on portfolio size.* | Included with full screening |