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🛬 '''Taxiing risk''' describes the exposure to loss or damage that arises while an aircraft is moving under its own power on the ground — typically between the gate, ramp, runway, and maintenance areas — and the insurance considerations specific to this phase of operations. In [[Definition:Aviation insurance | aviation insurance]], taxiing is categorized as part of "ground risks" or, more precisely, as a subset of "in-motion" ground risks, distinguished from static risks when the aircraft is parked or hangared. [[Definition:Aviation hull insurance | Hull]] and [[Definition:Aviation liability insurance | liability]] policies treat taxiing differently from flight operations because the hazard profile shifts: collision with other aircraft, ground vehicles, jetways, and infrastructure becomes the dominant peril, while aerodynamic and altitude-related risks are absent.

⚙️ Most comprehensive aviation hull policies cover taxiing as part of the standard "all-risks" insuring agreement, meaning no separate endorsement is needed for owned-aircraft taxiing damage. However, certain restricted or partial policies — sometimes issued for aircraft undergoing maintenance or in long-term storage — may limit coverage to "not in motion" risks, explicitly excluding taxiing. When that exclusion applies, any damage sustained while the aircraft moves under power falls outside the policy's scope. [[Definition:Third-party liability (TPL) | Third-party liability]] during taxiing — such as an aircraft wing striking a fuel truck or another aircraft — is covered under the liability section of the aviation policy, but the insured should confirm that ground-movement scenarios are not inadvertently carved out. [[Definition:Airport operator | Airport operators]] separately purchase their own [[Definition:Airport liability insurance | liability coverage]] for ground-side operations, and allocation of fault between the airline's policy and the airport's policy after a taxiing incident can become a complex [[Definition:Subrogation | subrogation]] exercise.

📊 Taxiing incidents may lack the catastrophic severity of in-flight accidents, but they occur far more frequently and produce a steady stream of [[Definition:Attritional loss | attritional losses]] that weigh on an airline's [[Definition:Loss experience | loss record]]. Wing-tip collisions, jet-blast damage, and ground-vehicle strikes collectively account for a meaningful share of [[Definition:Aviation hull insurance | hull]] claims globally. For [[Definition:Underwriter | underwriters]], taxiing losses are a key factor in pricing hull policies and setting [[Definition:Deductible | deductibles]], particularly for airlines operating at congested airports where ramp traffic density increases collision probability. Improvements such as aircraft-mounted cameras, ground-radar systems, and automated taxiing guidance are gradually reducing frequency, and insurers and [[Definition:Insurtech | insurtechs]] are beginning to incorporate ground-operations data into risk-selection models.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Aviation hull insurance]]
* [[Definition:Ground risk]]
* [[Definition:Aviation liability insurance]]
* [[Definition:Attritional loss]]
* [[Definition:Airport liability insurance]]
* [[Definition:Aviation insurance]]
{{Div col end}}

Definition:Taxiing risk - Revision history

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