Try a different word, or check the spelling.
Your one-off flight article has a ground-stage property value that is not necessarily the mission budget. Hardware, test and liability protection need to distinguish that interest from qualification work, launch duties, and promises about orbital performance.
The Southern Agency can help you evaluate your production and ground-testing risks to help you identify appropriate coverage.
You design and manufacture high-value space hardware, such as rockets and orbital systems, which involves complex testing and integration. A mission failure or manufacturing error can lead to significant financial demands, while your test facilities face unique high-pressure and chemical risks.
The Southern Agency can help you review your flight-hardware programs, test processes, and export controls to select appropriate insurance. We can discuss how to separate manufacturing and ground-based liability from the specific risks associated with launch or orbital interests.
A propulsion, avionics or structural defect may be blamed for a failed mission. Identify the alleged injury, physical damage, loss of use, or financial demand; replacing the supplied hardware and fulfilling a mission-performance promise are different from covered third-party harm.
Describe the propellants, quantities, pressure systems, and build or test activities. Release, fire, explosion, and worker hazards depend on the actual materials and conditions; a component assembly area and an engine test stand do not have identical exposures.
An intrusion or unauthorized access can expose technical designs. Classification, recipients, and access arrangements affect any export-control duties, while the security incident, contractual confidentiality and lost intellectual-property value raise different insurance questions.
Fire or other physical damage can destroy one-off flight hardware and tooling. Establish ownership and work-in-process valuation separately from the mission budget, future contract revenue, and the cost of repeating qualification work.
A test stand or production machine breakdown can stop qualification and delivery work. A flight article failing its test is not necessarily a breakdown of the apparatus, and schedule delay alone does not establish a covered income loss.
Customer and supplier agreements may allocate hardware damage, indemnities, and performance obligations. An insurance schedule or requested limit does not establish that every design error, mission guarantee, or contractual payment is insured.
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
An upper-stage component is blamed for a failed mission, and the customer demands the lost mission value. Specialist space financial-loss or guarantee cover may address that demand if it insures the producer’s specific obligation and the failure meets its trigger. That financial claim differs from product liability for injury or damage to other property.
A fire in the integration area destroys flight hardware in progress. Property cover may fund eligible physical loss at the insured location, using the agreed valuation and ownership terms. Customer-supplied hardware, repeat qualification work and lost delivery revenue need separate treatment; the mission’s total value is not automatically the insured property loss.
An intrusion exposes export-controlled avionics designs, creating investigation and containment costs. Cyber cover may fund eligible response to an insured security event. Technical-data exposure does not itself establish a personal-data notification claim, and payment of response costs does not authorize a transfer or establish cover for lost design value, fines, or export-control remediation.
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
Start with the actual products and activities: rockets, upper stages, spacecraft or components, their design and tests, and the phase in which your interest continues. Property and breakdown address different ground losses from product, professional or specialized space liability. Mission-value guarantees and separately sold engineering services need explicit terms, not an assumption that one manufacturing package includes them.
Cyber insurance may address eligible investigation, containment, restoration, and liability after a covered security event. Identify the technical data and systems involved and who may access them. Export-controlled designs are not automatically personal information, and response cover does not provide an export license, replace lost competitive value or establish payment of regulatory penalties.
Launch protection depends on the insured party, hardware, phase, and cause of loss. Specialist space policies can address development, pre-launch, launch, and in-orbit exposures, including specified liability or guarantee risks. Check where any factory property or manufacturing liability protection ends; the vehicle owner and launch operator may insure different interests. Availability and scope require an actual underwriting decision.
Property cover may address insured physical damage at the declared location, but one-off hardware needs a clear valuation basis, ownership, and work-in-process values. Customer-supplied components, testing, repeat qualification, and movement to integration or launch sites need separate attention. The full mission budget or future contract earnings are not proof of the insured hardware value.
Yes, an actual agreement may specify limits, endorsements, and indemnities, as well as design or performance duties. Compare each obligation with the proposed coverage and exclusions. A certificate cannot amend a policy, and satisfying a requested limit does not establish cover for a mission guarantee or every contractual payment.
Excess limits can be valuable when a covered product or facility claim could exceed the primary limit. Base the decision on loss estimates, contract requests, and the insurance available for the space activity. The layer’s attachment and exclusions matter as much as its limit; it cannot add an excluded mission guarantee simply by sitting above primary cover.
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.
