Satellite Insurance Requirements in Europe: Complete Guide

Insurance is a cornerstone of space regulation. Here's what European operators need to know.

Why Space Insurance Matters

Space activities carry inherent risks including launch failure, in-orbit anomalies, collision with debris, and third-party damage from re-entry.

EU Space Act Insurance Requirements

• Standard missions: €60 million minimum TPL

• High-risk operations: Up to €500 million

• Light Regime: Reduced minimums

Insurance Types

Pre-Launch Insurance

Covers satellite during manufacturing, testing, and transportation.

Launch Insurance

Covers from ignition through early orbit checkout. Highest premium period.

In-Orbit Insurance

Covers operational phase including total loss, partial loss, and business interruption.

Third-Party Liability Insurance

Mandatory under EU Space Act for property damage, personal injury, and environmental damage.

Proper insurance is business protection beyond compliance.