Give the broker the aircraft, pilot, operating area, people nearby, payload, customer property, and mission conditions. Ask for the actual aviation or UAS terms and exclusions that address those facts.[1][2][3]
If you rely on a waiver or operating category, include its conditions in the submission and ask whether the quoted activity matches them.[1][2]
Read the Drones Insurance Buying Guide
Sources and Further Reading
- Small Unmanned Aircraft Systems (UAS) Regulations (Part 107) — Federal Aviation Administration. Part 107 scope for small UAS under 55 pounds, registration, remote-pilot requirements, and operating limits.
FAA operating scope and requirements for small UAS under Part 107; not insurance guidance.
- Part 107 Waivers — Federal Aviation Administration. Commercial operators: waiver categories and operation-specific conditions, including operations over people.
Operation-specific waiver categories and conditions; authorization does not establish policy response.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: commercial property, inland marine, boiler and machinery, commercial general liability, products/completed operations, commercial auto, umbrella, and workers compensation.
General California CGL, property, and inland-marine concepts; aircraft exclusions and actual policy wording matter.
- Small Business Insurance — National Association of Insurance Commissioners. Small business insurance FAQ: professional liability for service or advice errors and distinctions from general liability.
NAIC distinguishes general liability from professional liability for service or advice errors; use it to frame a generic professional-services question.
- Cybersecurity — National Association of Insurance Commissioners, Center for Insurance Policy and Research. Cyber risk categories; relationship to commercial property and general liability; customized cyber policies.
NAIC outlines cyber loss categories and explains that cyber policies are customized.
- Cyber Insurance: Cybersecurity for Small Business — National Association of Insurance Commissioners. Small business cyber handout: first-party and third-party coverage, vendor-held data, and duty-to-defend questions, pages 1–2.
NAIC’s small-business handout frames questions about first-party costs, third-party claims, vendor-held data, and defense.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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