Why are rotor wing aircraft harder and more expensive to insure than fixed wing aircraft?
As opposed to a larger number of fixed wing aircraft in the world, having only a small number of helicopters to insure in the world poses the issue of having a smaller number of units with which to spread the risk. Insurance works off of the law of large numbers and being able to spread risk over a large number of items usually produces a better allocated cost or premium for each unit. This works against helicopters or rotorcraft as there are only a limited number in the world. This, combined with a higher accident rate, make rotor aircraft more expensive to insure.
