Embraer Legacy 450
Embraer Legacy 500
Embraer Legacy 600
Embraer Legacy 650 / E
Embraer Legacy Shuttle
Embraer Lineage 1000 / 1000E
Embraer Phenom
Embraer Phenom 100 / 100E / 100EV
Embraer Phenom 300 / 300E
Embraer Praetor 500
Embraer Praetor 600
Embraer Insurance Cost Examples
Phenom 300E - Dual Pilot Typed Rated
| Coverage | Limits | Premium |
| 300E Physical Damage | $7,400,000 Agreed Value | $20,500 |
| Aircraft Liability | $25,000,000 Per Occurrence | $9,000 |
| Total Annual Premium | $29,500 |
Phenom 100E - Owner Pilot with 2,600 Total Time
| Coverage | Limits | Premium |
| 100E Physical Damage | $3,300,000 Agreed Value | $21,500 |
| Aircraft Liability | $10,000,000 Per Occurrence | $5,000 |
| Total Annual Premium | $26,500 |
Embraer Praetor 600 - Owner Pilot transitioned from Cirrus and flew dual pilot for one year
| Coverage | Limits | Premium |
| Praetor Physical Damage | $21,000,000 Agreed Value | $17,000 |
| Aircraft Liability | $50,000,000 Per Occurrence | $15,000 |
| Total Annual Premium | $42,000 |
Aircraft Summary
Embraer makes great corporate jets. The Embraer Phenoms were the first real competitor to the Citations in the small business jet market. The Embraer corporate jet, dual pilot market was the Legacy and as of 2021 has become the Praetor jets, which are pretty sweet.
Liability premium is based on the number of seats and Use of aircraft. It typically accounts for 15% – 30% of the overall premium. The remaining 70% – 85% is from the hull value premium.
An easy way to estimate or visualize the premium for a Embraer Aircraft is: 0.5%, 0.75%, 1% and 1.5%
- 0.5% (or less) of the hull value for experienced pilots and a smooth operation
- 0.75% of the hull value for less experienced pilots and high number of Named Pilots
- 1% of the hull value for charter and very high liability limits pilots over 70 years old and operations with a lot of dry leases or fractional ownership
- 1.5% of the hull value for new transitioning pilots from an aircraft like a Diamond DA62
The Embraer Jet Operators Association EJOA is a great organization and they have annual meetings and an active members forum
Models We Cover
Valuation
Everyone wants the Embraers because the engineering is amazing. But a lot the intrinsic value is based on the supply and demand of the market. A good reference is your local aircraft broker or Controller.com. Since the pandemic, corporate jets can become a luxury and comfortability purchase to avoid the use of airline travel. This is not unique for Phenoms but all corporate jets.
Risk Areas
Claim History
The Embraers have had pretty good claims history other than mentioned above with the runway incursions and accidents due to a sensitive brake by wire system. JetSuite has had a big fleet of Phenoms for Part 135 charter and they did have a number of runway incursions and over extended runway accidents on landing. These accidents are almost always as a result of pilot error. They usually start from deviating from the required standards of a stabilized approach.
Safety Features
The new Praetor aircraft have the Collins Aerospace’s Pro Line Fusion avionics systems which incorporates features with improved synthetic vision to enhance situational awareness. Embraer also have fly by wire and brake by wire. Anyone who has flown the Embraers can concur the brake by wire takes some getting used to. In fact Embraer and Phenom have had a number of landing accidents due to over extending the runway. A part of that could be related to how long it takes a pilot to really get on the brakes after touchdown because brake by wire is so sensitive.
See our complete list of approved flight schools and Part 141 flight schools for more information.
Parts Service Centers
Embraer Aircraft has Authorized Service Centers throughout the US and throughout the world.