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Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.
Insurance Buying Guide for Drone Businesses
Before a first customer flight, a new mission, or an aircraft shipment, separate the operator’s work from the manufacturer’s product and any software or data service. Give the broker aircraft, pilot, mission, customer-property, and data details so the quote can be compared with the actual operation.
Which Insurance Should You Consider for Drones?
Consider general liability, product liability, technology errors and omissions (E&O), tools, equipment and inland marine, commercial property, and cyber liability. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
General Liability Insurance for Drones
You fly commercial missions over customer sites, perform demonstrations, or send staff onto a site.
Ask whether proposed general-liability terms fit the described operation. Aircraft is listed among major CGL exclusions, so do not assume CGL responds to a drone flight.3,1
Do the policy terms specifically address aircraft, mission, locations, people, and property involved, and what aircraft or aviation exclusions apply?Product Liability Insurance for Drones
You make, modify, or integrate an aircraft, controller, payload, or flight-related component.
CGL products and completed-operations terms can address bodily injury or property damage. Ask how proposed terms describe the aircraft and product, and whether separate terms address recall costs.3
Which aircraft and components are declared, and how are integration, software updates, completed work, territory, and recall costs treated?Tech E&O Insurance for Drones
Customers rely on route planning, remote piloting, analytics, or software controlling aircraft behavior.
Professional-liability coverage is a separate category for service or advice errors. For route planning, remote piloting, analytics, or flight software, ask whether proposed professional-services wording addresses errors in that service; this does not establish UAS or technology E&O eligibility.4
Which professional services, software, data, and customer dependencies are described, and how would the proposed wording treat a service-error allegation alongside a flight incident?Inland Marine Insurance for Drones
Aircraft, payloads, batteries, or ground stations travel to customer missions or test sites.
Inland-marine forms may address property in transit or use equipment floaters. This does not establish UAS hull or payload terms; compare schedule, trip, storage, and operating conditions.3
Which aircraft, payloads, batteries, and ground equipment are insured while stored, in transit, assembled, and in use, if any?Commercial Property Insurance for Drones
You keep aircraft, batteries, or test equipment in a workshop or storage location.
Commercial property terms apply to declared business property, subject to valuation, covered causes, locations, and exclusions. Ask how aircraft and batteries are scheduled and whether any separate aviation wording applies.3
Are each location, aircraft, battery, charger, and customer-owned item listed at appropriate values, and what causes of loss and storage conditions apply?Cyber Insurance for Drones
Your fleet depends on customer data, remote command links, mapping, or cloud mission software.
Cyber policies are customized and may address first-party incident costs or third-party claims. Ask how proposed terms treat mission data, remote command links, cloud systems, and vendor-held information; this does not establish coverage for a flight loss.5,6
Which systems and data are within scope, and how do the terms address incident response, vendor-held data, third-party claims, defense, and exclusions?
Decide Which Side of the Flight You Own
For each mission, identify whether your company operates the aircraft, manufactures or modifies it, supplies the payload, or provides route-planning software. Ask the broker to compare flight-injury, product-defect, service-error, and aircraft or payload damage scenarios with proposed terms and exclusions.3,1,4
For Part 107 operations, note whether each small aircraft is under 55 pounds, registered, and flown by a qualified remote pilot or under direct supervision. Include mission conditions when asking for quotes.1
When a Drone Mission Changes
Before adding flights over people, beyond-visual-line operations, multiple aircraft, or a new payload, identify the operating conditions and any waiver or category relied on. FAA’s waiver material is operation-specific and lists conditions; an authorization does not answer the insurance question.2
Send the broker mission profiles, aircraft specifications, pilots, locations, customer property, and waiver conditions. Ask whether those activities are described in the proposed terms and how the form treats aviation exclusions.2,3
Schedule the Drone Aircraft and Payloads
Which Providers Should You Compare for Drones?
General Liability Insurance Providers for Drones
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Product Liability Insurance Providers for Drones
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Tech E&O Insurance Providers for Drones
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Inland Marine Insurance Providers for Drones
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Commercial Property Insurance Providers for Drones
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Cyber Insurance Providers for Drones
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Common Questions About Insurance for Drones
If our mission complies with Part 107, does that mean we have insurance?
No. FAA rules and waivers address whether an operation is authorized; the policy wording determines whether an insured loss is covered.1,2,3
Read the Full AnswerWhat should change in our insurance review before flights over people?
First establish the operating basis for the mission. FAA’s Part 107 waiver information describes operation-specific conditions, including distinctions for operations over people; a waiver is not insurance evidence.2,3
Read the Full AnswerSources and Further Reading for Drones
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.