Commercial Drone Insurance
Fly High Above Your Risks
Drones face several risks when in use. These risks include:
- Third-party damages incurred due to at-fault collisions with someone’s property.
- Injury or death due to poor operation of the vehicle.
- Damages due to fire, theft, or vandalism.
In this article
Who Needs Commercial Drone Insurance?
- Commercial photographers
- Videographers and filmmakers
- Emergency response and damage assessment
- Traffic monitoring and news reports
- Humanitarian aid and rescue teams
- Package delivery
Drones used for recreational purposes are not legally mandated to get insured. However, those drones will have to comply with the Federal Aviation Authority’s law on recreational UAV operations. Owners of such UAVs can opt for personal drone insurance.
Professional photographers and videographers who use drones also may obtain drone liability insurance and photography insurance.
Policy Options You Can Get
The general policies that fall under commercial drone coverage include:
General Liability Insurance
General liability insurance is a typical coverage required for all businesses. It protects companies against third-party claims that arise due to business operations, processes, or accidents inside the premises.
Professional Liability Insurance
Professional liability insurance protects businesses against losses incurred due to employee negligence or errors during hours of operation. It spares you any lengthy and expensive lawsuits that might arise due to said reasons.
Professional liability insurance is especially necessary for flight schools and other institutions that use drones in their training curriculum. If your clients feel that you have provided substandard tutelage (which is subjective, but the courts have the final word), they are likely to sue you.
Types of Commercial Drone Insurance
Drone Liability Insurance
Drone liability insurance protects you from third-party claims of property damage as well as personal injury. Whether your drone crashes into a window or accidentally hurts a bystander, drone liability insurance will have your back.
Hull Insurance
If your drone is damaged, then hull insurance will cover the cost of repairs and replacement. Certainly, keep an eye on the market value of the drones you buy. The higher the cost of the drone, the more hull coverage you will need.
Get in touch with your insurance provider to know the extent of your hull coverage.
Non-Owned UAV Insurance
If you rent your drones for work, then you need non-owned UAV insurance to cover any third-party injuries or damages done by the UAV.
How Much Does Commerical Drone Insurance Cost?
- Flight hours and location
- Cost of the drone
- How much flight experience the drone pilot has
While the coverage limits generally start around $500,000, the above factors can add to or subtract from your final quote.
We can help you get your commercial drone business insured according to your needs.
Customize your commercial drone insurance coverage and secure your business. Talk to your agent today.
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I own more than one drone. Is the standard drone policy enough to cover all my drones?
Yes, your Commercial Drone insurance policy covers all of your equipment and tools.
Well, I didn’t know drone insurance existed. New innovations call for new solutions!
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