Does every aerospace business need aircraft insurance under federal rules?
No universal rule is supported here. FAR 28.307-2(d) addresses aircraft public and passenger liability when aircraft are used in contract performance and the contracting officer requires the stated terms.
Read the actual solicitation and contract, identify whether aircraft are used in performance, and confirm the requested clause with the contracting officer. The requirement depends on that context.3,1
If a clause applies, have a broker map its limits and scope to a specific policy and declared operation. Do not substitute generic CGL or product-liability wording for an aircraft-specific requirement.3,1
Read the Aviation and Space Insurance Buying Guide
Sources and Further Reading for Aviation and Space
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