About Us

Purchased in 2001 from Jim Coley, Coley-Christian Aviation Insurance continued the legacy of one of the greatest in the business. Our mission is to find you the best coverage at the most competitive price. We research all the markets to ensure that you are provided with all the options available and help you select the plan that best fits your needs. Our professionalism and expertise will earn your business and our customer service will keep it.

Contact Us

  • Private / Corporate

  • Property

  • Charter Operations

  • Fixed Base Operations

  • Flight Schools

  • Flying Clubs
  • Workers’ Compensation

  • Avionics/Repair Facilities

  • Premises and Products

  • Drones and UAV’s

  • Airshows and Events

  • And More …


JohnJohn has literally grown up in the aviation industry, having learned to fly when he was only 18 years old. He is an ATP rated pilot with over 5,000 hours including a long run with a commuter airline and extensive experience as a corporate pilot. He has also served as an underwriter for a major aviation insurer for 25 years. Moving to an agency when a local office closed, John has worked in all areas of the insurance industry. Though concentrating on insurance and flying during most of his career, he is now devoting some of his time to aircraft sales since joining our company six years ago. John has a great following of friends and customers from his many years in the industry.
TraceyTracey started her aviation career as a customer service representative at the Memphis International Airport in 1995. Four years later, she joined Coley Aviation, Inc. where she assisted Jim Coley with aircraft sales and aviation insurance. In 2001, Jim teamed up with his longtime friend and associate, Jerry Christian to form Coley-Christian Aviation Insurance. Tracey took on other responsibilities working with Jerry, assisting in aircraft sales for Jerry Christian Aircraft, and continuing her work with the insurance business. She recently relocated to Nashville, TN and is prepared to expand our business in that market and the surrounding states. Tracey is a licensed property and casualty insurance agent and holds a non-resident license in 12 other states.
RhiannonRhiannon has worked part-time for Coley-Christian Aviation Insurance since 2003 while she finished her degree in Biology at the University of North Alabama and her master’s degree in I.C.L. at the University of Memphis. She began working full-time with the company in 2016 and is a licensed property and casualty insurance agent. She assists with the Coley-Christian Aviation Insurance business and specializes in aircraft sales. Rhiannon is a licensed pilot and is working on her instrument/multi-engine rating. Outside of work, Rhiannon lives at the soccer field and travels around the world.
JerryJerry began his career in aviation as a lineman while in high school. Continuing his education in engineering at the University of Alabama, he also completed his flight training gaining commercial, multi-engine, and instrument ratings. He discovered his real passion when sold his first airplane at twenty and then moved on to marketing in the business school. After joining a major pre-owned dealer in Memphis right out of college, he continued to grow in aviation. He eventually started his own business and represented both Cessna and Piper as a new dealer for many years. Looking to expand his business, he joined Jim Coley in 2001 to form Coley-Christian Aviation Insurance. Though being exposed to the insurance side through his career in sales, he has continued to learn the aviation insurance business from Tracey and former insurance underwriter John Berra.

Aviation Insurance Terminology

Additional Insured

A person or persons other than the original named insured, who are protected under the terms of a policy.

Aggregate Policy Limit

The maximum amount an insurance company will pay under the terms of a policy during the term covered by that policy.

Aircraft Liability Insurance

This form of coverage protects the insured from claims for bodily injury or death by members of the public and passengers if included under the terms of the insurance. This kind of insurance is normally written with limits per injured person, and another limit per occurrence. Other policies may be issued with a combined single limit, or total aggregate amount with no limit per person, or for each passenger. Protection against loss from claims filed by any third party for damage to property, including the use of that property, is a part of this coverage

Aircraft Non-Owned Liability

Coverage that protects the named insured from liability arising out of the use of aircraft not owned by or regularly provided to the named insured.

Airport Premises Liability

Designed to protect the owner or operator of an airport against losses arising out of use of the airport.

Air Taxi and Charter Operators

Nonscheduled air carriers operating on-demand commercial service for passengers and cargo shippers.

Bodily Injury

Injury to the body of a person including sickness, disease, or death.

Breach of Warranty

Provides physical damage (hull) coverage by endorsement for a lender in the event that the insured invalidates or breaches the contract and the company would otherwise not be obligated to pay.

Business and Pleasure

Any personal, pleasure, family, or business use of an aircraft excluding any operation for which a charge is made.

Aviation Auto Policy

An auto policy designed to protect a business firm against loss or damage to owned or leased automobiles, trucks, and specialty vehicles (tugs), and for damages for bodily injury and property damage of others which an insured becomes legally obligated to pay.

Cancellation , Pro Rata

The cancellation of an insurance contract, usually at the request of the insurer, prior to its expiration. The insured normally receives a refund of that portion of the premium coinciding with the percentage of the unexpired term of the policy.

Cancellation, Short-rate

At the request of the insured, cancellation of a policy prior to its expiration will involve a return to the insured, of less than the proportion of the premium that would have been refunded under the pro rata procedure.


Commercial use of an aircraft for which a charge is made or compensation (consideration) in some form is received by the insured, while either carrying passengers and/or cargo, or performing some other service under a written or oral agreement (contract).

Commercial Use

Use of an aircraft for which a charge is made while providing instruction, rental, charter, or other services.

Completed Operations

In products liability, used to describe aircraft repairs and servicing, including installation of parts and accessories.

Conventional Landing Gear

The two main wheels are mounted forward of the center of gravity with the balancing wheel in the rear. The aircraft sits with a nose high attitude while on the ground.

Declarations Page

Statements that present information about the risk to be insured, including items such as policy period, amounts and types of coverage, and a description of the insured property.


Amount of expense to be paid by the insured after a loss, and prior to or in conjunction with payment of any policy benefits.

Employers’ Liability Insuring Agreement

A part of the worker’s compensation policy which is designed to cover the liability of the employer to workers who can sue their employers under certain conditions such as gross negligence on the park of the employer.

Fixed Base Operators

Airport-based commercial operators who provide some or all of the following activities: line services, aircraft and engine maintenance, sale of parts and accessories, aircraft sales, charter and rental of aircraft, corporate flight services, and flight training.

Flying Club

An aircraft owned or operated by three or more individuals. Flying clubs can be incorporated or nonincorporated organizations generally formed for the purpose of operating aircraft at a reasonable cost per capita.

Fractional Ownership

Several companies jointly purchase an aircraft to reduce costs. A management company normally provides the crew, maintenance, ground support, insurance, record keeping and overall operation of the aircraft.

Grounding Coverage

Written in conjunction with manufacturers’ product liability to protect the manufacturer in the event that aircraft are grounded by federal authorities.


A person who does not pay for transportation.

Guest Voluntary Settlement

Also known as admitted liability coverage. In the event of bodily injury to a passenger, the insurer offers a settlement on a definitely determined basis regardless of whether the insured is legally liable. A release must be obtained from the injured party prior to settlement.

Hail Insurance

Insurance against damage from hail. In aviation, this is included in all-risk hull insurance.

Hangarkeepers’ In-flight

Protects the insured hangarkeeper for loss or damage to non-owned aircraft while in-flight and in the hangarkeeper’s care, custody, or control.

Hangarkeepers’ Liability

A form of insurance that covers the insured hangarkeepers’ liability for loss or damage to aircraft which are the property of others and in the insured’s custody for storage, repair, or safekeeping.


A condition, operation, or activity that has the net effect of increasing the possibility of incurring a loss.

Hull Insurance

Insurance covering the aircraft, including the engine, propeller, and all other systems and equipment permanently attached to the aircraft (though it may be removable for maintenance), including avionics. Hull insurance may be written for aircraft on the ground, not in motion; for aircraft on the ground and in motion (meaning under its own power), or for aircraft in flight. When specified as all-risk coverage it covers the aircraft under all circumstances, regardless of the reason for damage or loss.


To protect and secure against damage or loss; to make good; to compensate for loss.

Industrial Aid

A term that applies to corporate-owned aircraft that are used for the transportation of executives, employees, customers, and guests, which are flown by professional pilots.


The time commencing with the actual takeoff run of the aircraft and continuing thereafter until it has completed its landing roll.


While the aircraft is moving under its own power or the momentum generated therefrom or while it is in flight and, if the aircraft is a rotorcraft, any time that the rotors are rotating.

Insurable Interest

In property insurance an insurable interest is any financial interest based on some legal right in the preservation of the property. An exposure to a financial loss must exist for there to be an insurable interest in the occurrence of some event. In life insurance, it is usually because the insured or a beneficiary has a financial interest in the continued existence of the insured life or the expectancy of loss in the ending of the insured life. It must be present in life insurance before the contract goes into effect.

Interchange Agreement

One company leases its airplane to another company in exchange for equal time, when needed, on the other company’s airplane and no charge or assessment is made.

Liability Insurance, Bodily Injury

Insurance to cover the cost stemming from bodily injury or death to persons other than the insured. In aviation, this type of insurance is usually with limits per injured person and another limit per occurrence, though other policies are written with a single limit.

Liability Insurance, Property Damage

Insurance against loss due to claims for damage to another’s property.

Limited Commercial Use

Use of an aircraft for which a charge is made while providing instruction and rental services.

Limit of Liability

The maximum limit of liability (damages) that an insurance company assumes or is obligated to pay under the terms of any individual insurance contract.

Lloyd’s of London

A corporation that neither underwrites (subscribes) policies of insurance nor directly issues them itself. Insurance is written by individual “underwriting members” who must be elected to membership within the Lloyd’s Association. The actual insurer then is not Lloyd’s but instead the various underwriters at Lloyd’s.

Loss of Use

Compensation made to an insured against loss resulting from the inability to use property, such as an aircraft in furtherance of his business.

Loss Payable Provision

A clause sometimes contained within a policy that provides payment of a loss for which the insurer is liable to the insured, to someone other than the insured; a third party who has an insurable interest in the property covered under the terms of an insurance contract.

Named Insured

The actual policyholder wo is specifically named in the policy.


Failure to do what a reasonable, careful, conscientious person is expected to do; doing something that a reasonable careful, conscientious person would not do.

Non-Owned Hull (Aircraft Damage Liability)

Insurance designed for pilots flying rented, borrowed, or club aircraft, or for students flying flight-school aircraft, covering the value of the aircraft.

Non-Owned Liability

See Aircraft Non-Owned Liability.


An accident, including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured.


The actual cause of a loss such as a fire, windstorm, theft, collision, negligence, crime, premature death, and so forth.

Personal Injury Liability

Liability because of false arrest, libel, slander, or invasion of privacy.

Physical Damage

Direct and accidental physical loss of, or damage to property (an aircraft). The term does not infer loss of use or any residual depreciation in value, if any, after repairs have been made.

Premium - Earned

A portion or ratio of premium that has been paid to an insurance company that covered the expired segment of the policy period.

Premium - Return

A refund of paid-up premium to a policyholder. It is computed either on a short-rate basis if the insured request cancellation, or pro rata if the company terminates coverage.

Premium - Unearned

Premium that in a sense is on-deposit with the insurer, to cover the unexpired portion of the policy period.

Private Use Airports

Airports not open to the general public, but restricted to the use of their owners and invited guests of the owners on an exclusive basis.

Proof of Loss

A statement that provides insurers with the facts necessary to determine the existence and extent of their liability.

Public Use Privately Owned Airports

Airports that are located on the outskirts of a metropolitan area and serve as the general aviation airport for the community.

Public Use Publicly Owned Airports

Airports that range in size from the major airports serving a metropolitan area to a small single grass strip owned by a local community.

Replacement Cost

The cost to replace the property today with new materials of like kind and quality.

Risk Management

The systematic identification of a company’s exposures to the risk of loss, and with decisions on the best methods for handling these exposures in relation to corporate profitability.

Single Limit Liability

Liability coverage that provides one limit for bodily injury and property damage (including or excluding passengers) which represents the insurer’s maximum liability for one claim or for any combination of claims which might arise from one occurrence.


The doctrine of subrogation gives the insurer whatever rights the insured possessed against third parties who are responsible for a loss. The right of subrogation by the insurer is limited in amount to the loss payment which has been made to the named insured. In order to actually recoup its loss payment, the insurer must prove the liability of the wrongdoer, and that the negligent party has the financial ability to pay for the loss he caused.

Temporary Use of Substitute Aircraft

A policy clause that enables an insured to use another non-owned aircraft of similar type, horsepower, and seating capacity for such a time that the insured’s aircraft is being repaired or serviced.

Territorial Limits

Stipulations in an aviation insurance policy that define the geographical boundaries in which coverage is provided to an insured.

Time Sharing Agreement

The lease of an aircraft with flight crew to another party, and no charge is made other than specified direct operating expenses.

Transportation Costs

A provision in the hull and liability policy indicating that, in the event of a partial loss, the aircraft must be transported by the least expensive method to a repair station.

Tricycle Landing Gear

The two main wheels are aft of the center of gravity and a third wheel is under the nose.

Umbrella Liability Insurance

Excess insurance, usually with a substantial deductible, and also providing coverage for many risks not included in the basic coverage.


The selection and rating of risks which are offered to an insurer. The entire process is based upon the property selection and rating of risks that the insurer feels will have the greatest likelihood of being profitable for the firm.


The voluntary giving up or renouncing of a right, benefit, or privilege.


(1) A statement that certain facts are true, made by one party to a contract, and accepted by the other party as true. (2) An agreement to make up for any damages that result from a false representation of facts.

Workers’ Compensation Insuring Agreement

Insurance against liability imposed on certain employers to pay benefits and furnish care to employees injured, and to pay benefits to dependents of employees killed in the course of or arising out of their employment.