5X5 Aviation Insurance
5X5 Aviation Insurance is a direct-to-consumer provider of liability and hull coverage for owner-pilots of high-performance aircraft, including light jets, turboprops, and piston singles and twins. It uses avionics telematics, safety-based discounts of 5%–20%, and Fortegra-backed A-rated paper, distributed online without brokers.
- Company typePrivate
- Founded2025
- HeadquartersMinneapolis, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What 5X5 Aviation Insurance does
5X5 Aviation Insurance is a direct-to-consumer aviation insurance provider targeting owner-pilots of high-performance aircraft, including light jets (Cessna Citation), turboprops (TBM, Beechcraft King Air), and modern piston singles and twins (Cirrus, Diamond, Cessna). The company sells liability coverage ranging from $1M to $5M and hull coverage without broker intermediaries, offering instant online estimates in 1–2 minutes and detailed quotes in as little as 10 minutes through its customer portal at portal.5x5insurance.com.
The platform is anchored by a data-driven underwriting and pricing engine that ingests pilot records, training history, flight hours, and Owners and Pilots Association (OPA) affiliations. A distinctive telematics integration allows pilots to share flight data from Garmin, Avidyne, and Collins avionics, aligning risk with pricing. A tiered Safety Reward Program grants 5%–20% discounts for training, flight hours, OPA membership, hangar storage, flight-data sharing, and OPA safety awards such as CJP Gold Standard, TBMOPA TAP, and PMOPA Master Aviator. Claims handling is outsourced to McLarens, while policies are issued on AM Best A- (Excellent) paper backed by The Fortegra Group and its affiliated carriers.
5X5 monetizes through aviation insurance premiums underwritten by Fortegra Group carriers, with the company acting as the managing general agent/distributor. Go-to-market is exclusively direct-to-consumer (online portal plus phone support) supplemented by preferred-partner relationships with CJP, TBMOPA, and PMOPA. The company launched commercially in September 2025 from Minneapolis, scaled from 5 to 37 states by December 2025, and is targeting all 48 contiguous U.S. states.
5X5 Aviation Insurance firmographics
Firmographics- Name
- 5X5 Aviation Insurance
- Legal name
- 5X5 Holdings, LLC and 5X5 Insurance Services, LLC
- Website
- https://5x5insurance.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 5X5 Aviation Insurance is a direct-to-consumer provider of liability and hull coverage for owner-pilots of high-performance aircraft, including light jets, turboprops, and piston singles and twins. It uses avionics telematics, safety-based discounts of 5%–20%, and Fortegra-backed A-rated paper, distributed online without brokers.
- Ownership category
- akta.pro rank
5X5 Aviation Insurance industry classification
Industry- Product category
- Aviation Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Private Aviation Insurance & Financing/Leasing Services (THABAFAM)
- akta.pro secondary industries
- Aviation Specialty (FSAJAGAK), Aviation Liability Insurance (Passenger & Third-Party) (FSAJAHAD), Aviation Hull Insurance (FSAJAHAC)
Keywords
Where 5X5 Aviation Insurance is headquartered
LocationHeadquarters
- HQ city
- Minneapolis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
5X5 Aviation Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain, Others
Revenue model
- Aviation Insurance Premiums: 5X5 generates revenue through insurance premiums charged to policyholders for liability and hull coverage on aircraft. Policies are underwritten and administered by 5X5 Insurance Services and issued by Fortegra Group affiliated companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 5% yearly discount for single safety category |
| Subscription | Annual | 10% yearly discount for two safety categories |
| Subscription | Annual | 15% yearly discount for all three safety categories |
| Subscription | Annual | 20% yearly discount for maximum safety commitment |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
5X5 Aviation Insurance product offering
Product offeringCore offering
5X5 Aviation Insurance sells direct-to-consumer aviation insurance — customizable liability coverage from $1M to $5M and hull coverage — to owner-pilots of high-performance light jets, turboprops, and modern piston singles and twins (Cessna Citation, TBM, Piper M-series, Beechcraft King Air, Cirrus, Diamond, Cessna piston). Policies are priced individually based on the pilot's record, training, and (optionally) shared avionics telematics data, with tiered safety discounts of 5%–20%. The entire experience runs through an online self-service portal without brokers, backed by AM Best A- paper from The Fortegra Group.
Product overview
5X5 Aviation Insurance is a direct-to-consumer aviation insurance provider operating as a single integrated platform. Its core product is customizable liability and hull coverage for high-performance aircraft (light jets, turboprops, and modern piston singles/twins), sold directly without brokers. The offering is anchored by an Instant Estimate Tool for quick online quotes and a Flight Data Sharing Program that uses avionics telematics (Garmin, Avidyne, Collins) to reward safe pilots with premium discounts. Policy management is handled through the Policy Hangar customer portal. A tiered Safety Reward Program (5–20% discounts) incentivizes flight hours, training, OPA membership, and hangar maintenance. Claims processing is managed in partnership with McLarens. All policies are underwritten on AM Best A- (Excellent) rated paper backed by the Fortegra Group.
Differentiator
Problem solved
Functional benefit
Products and services
- Aviation Insurance (Liability and Hull Coverage) Direct-to-consumer aviation insurance providing customizable liability coverage (from $1 million to $5 million, with or without sublimits) and hull coverage for high-performance light jets, turboprops, and modern piston singles and twins. Policies are underwritten using individual pilot records, flight data, training history, and safety program participation rather than blanket risk assessments or arbitrary age cutoffs. Coverage is sold directly without brokers on AM Best A- (Excellent) paper backed by The Fortegra Group.
Quantifiable outcome
- Discounts of 5% to 20% for safety behaviors including training, flight hours, OPA membership, hangar storage, and data sharing
Companies that use 5X5 Aviation Insurance
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
5X5 Aviation Insurance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
5X5 Aviation Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Citation Jet Pilots Association (CJP)coreStrategic partnership giving CJP members access to flexible coverage options and exclusive discounts. Members receive 5% savings with opportunities to increase to 10% with additional training or data sharing. Gold Standard Safety Award recipients can receive up to 20% total discount. CJP is the premier community for Citation and Premier owner-pilots.
- TBM Owners and Pilots Association (TBMOPA)coreCollaboration to support safety and choice for TBM owners. TBMOPA members receive discounts recognizing safety efforts and active participation. Both organizations work together on underwriting standards and best practices in safety and operations.
- Piper M-Class Owners & Pilots Association (PMOPA)corePMOPA announces 5X5 as a preferred insurance partner, bringing members exclusive discounts. Members receive 5% discount for association membership, with additional discounts up to 20% for Master Aviator Program participants. Both organizations collaborate on underwriting requirements and safety best practices.
- McLarensminorClaims management partner. McLarens handles the claims process for 5X5 customers. Their adjusters contact customers within 24 hours of claim submission.
- Fortegra GroupcorePolicies are underwritten and administered by 5X5 Insurance Services and issued by Fortegra Group Inc.'s affiliated companies: Blue Ridge Indemnity Co., Insurance Company of the South, and Lyndon Southern Insurance Co. Fortegra is a U.S.-based global specialty insurer and reinsurer rated A- (Excellent) by AM Best.
Scale indicators3 records
Recent moves10 records
Expansion highlights6 records
5X5 Aviation Insurance competitors and assessment
Company assessmentBroad incumbents
- USAIG: USAIG (United States Aircraft Insurance Group) is one of the largest aviation insurance providers in the U.S., underwriting general aviation, commercial, and corporate aviation risk — a broad incumbent against which 5X5's owner-flown segment competes.
- QBE North America Aviation: QBE writes general aviation insurance in the U.S. including hull and liability for owner-flown aircraft, making it a broad incumbent in 5X5's target market.
- Global Aerospace: Global Aerospace is a major aviation insurance pool providing hull, liability, and specialty coverage to general aviation and commercial operators, with deep broker distribution and decades of actuarial data.
- Starr Aviation: Starr Companies operates a specialty aviation insurance division covering general aviation and corporate fleets — an incumbent competitor with broader line coverage and established underwriting scale.
- Travelers Aviation: Travelers provides general aviation and corporate aircraft insurance under a major national carrier brand, competing with 5X5 for owner-flown hull and liability business at the high end.
Others
- Falcon Insurance Agency: Falcon Insurance Agency is an aviation insurance broker/agency focused on general aviation, providing an alternative distribution channel that competes indirectly with 5X5's direct model.
- BWI Aviation Insurance: BWI Aviation Insurance is a broker specializing in general aviation and owner-flown aircraft coverage, illustrating the traditional broker-mediated distribution model that 5X5 is trying to disintermediate.
- USAA Aviation Insurance: USAA offers aviation insurance to its military-affiliated membership, including owner-pilots of personal aircraft — an adjacent insurer with a captive, high-quality customer base that competes in 5X5's broader general aviation segment.
Direct peers
- AOPA Insurance Services: AOPA's insurance program offers aviation coverage to Aircraft Owners and Pilots Association members with association-backed discounts, structurally similar to 5X5's OPA-discount model.
- Avemco: Avemco is a direct-to-consumer aviation insurance provider for general aviation pilots, offering hull and liability coverage without brokers — the closest direct functional peer to 5X5 in the owner-flown market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
5X5 Aviation Insurance social profiles
Digital presence5X5 Aviation Insurance compliance and trust
Trust signalCompliance4 records
5X5 Aviation Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
5X5 Aviation Insurance leadership team
Management profileNumber of profiles
Profiles4 records
5X5 Aviation Insurance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
5X5 Aviation Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 5X5 Aviation Insurance
What does 5X5 Aviation Insurance do?
5X5 Aviation Insurance sells direct-to-consumer aviation insurance — customizable liability coverage from $1M to $5M and hull coverage — to owner-pilots of high-performance light jets, turboprops, and modern piston singles and twins (Cessna Citation, TBM, Piper M-series, Beechcraft King Air, Cirrus, Diamond, Cessna piston). Policies are priced individually based on the pilot's record, training, and (optionally) shared avionics telematics data, with tiered safety discounts of 5%–20%. The entire experience runs through an online self-service portal without brokers, backed by AM Best A- paper from The Fortegra Group.
Is 5X5 Aviation Insurance a public or private company?
5X5 Aviation Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 5X5 Aviation Insurance founded?
5X5 Aviation Insurance was founded in 2025. It employs 11 to 50 people.
Where is 5X5 Aviation Insurance based?
5X5 Aviation Insurance is headquartered in Minneapolis, United States, in the North America region.
How does 5X5 Aviation Insurance make money?
One revenue line is on record: aviation Insurance Premiums.
Who are 5X5 Aviation Insurance's main competitors?
Broad incumbents on record are USAIG, QBE North America Aviation, Global Aerospace, Starr Aviation and Travelers Aviation. Others are Falcon Insurance Agency, BWI Aviation Insurance and USAA Aviation Insurance. Direct peers are AOPA Insurance Services and Avemco.
Does 5X5 Aviation Insurance have an API?
No public API is recorded for 5X5 Aviation Insurance.
What industry is 5X5 Aviation Insurance in?
5X5 Aviation Insurance's product category is Aviation Insurance. Its primary akta.pro industry code is THABAFAM, Private Aviation Insurance & Financing/Leasing Services, with a secondary code of FSAJAGAK, Aviation Specialty. Its NAICS code is 524126 and its SIC code is 6331.