--- title: "What should change in our insurance review before flights over people?" description: "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." canonical: "https://spot.insure/industries/drones/what-to-ask-when-moving-to-over-people-operations" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/drones/what-to-ask-when-moving-to-over-people-operations) # What 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. [Part 107 Waivers](https://www.faa.gov/uas/commercial_operators/part_107_waivers), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) Send aircraft category, mission conditions, pilot plan, location, and customer responsibilities to the broker. Ask whether proposed wording includes that specific operation and identify aviation exclusions. [Part 107 Waivers](https://www.faa.gov/uas/commercial_operators/part_107_waivers), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) List injury to third parties, damage to customer property, and aircraft or payload damage as separate quote questions. Give the broker ownership, location, and mission details for each. [Small Unmanned Aircraft Systems (UAS) Regulations (Part 107)](https://www.faa.gov/newsroom/small-unmanned-aircraft-systems-uas-regulations-part-107), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Drones Insurance Buying Guide](https://spot.insure/industries/drones) ## More Drones Questions - [If our mission complies with Part 107, does that mean we have insurance?](https://spot.insure/industries/drones/does-part-107-mean-insurance-is-included) ## Coverage to Discuss - [General liability](https://spot.insure/coverage/general-liability) - [Product liability](https://spot.insure/coverage/product-liability) - [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) - [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) - [Commercial property](https://spot.insure/coverage/commercial-property) - [Cyber liability](https://spot.insure/coverage/cyber) ## Sources and Further Reading - [Small Unmanned Aircraft Systems (UAS) Regulations (Part 107)](https://www.faa.gov/newsroom/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](https://www.faa.gov/uas/commercial_operators/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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — 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](https://content.naic.org/consumer/small-business.htm) — 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](https://content.naic.org/cipr_topics/topic_cybersecurity.htm) — 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](https://content.naic.org/sites/default/files/inline-files/cyber-insurance-naic.pdf) — 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](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/drones/what-to-ask-when-moving-to-over-people-operations.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)