9/17/2023 0 Comments Drone insuranceInsurance holders will typically still be liable for a deductible, so lower-cost drones likely don’t need to be covered by hull insurance. Hull insurance means you’ll be covered for damage to the drone itself. Hull insurance for commercial drone pilots Liability insurance covers damage caused by the drone, while hull insurance covers damage to your drone, whether accidental or extending as far as theft. There are two types of drone insurance: liability insurance and hull insurance (and commercial drone pilots should have both). If you’re making money off a flying a drone, you’re going to need a different type of insurance plan than if you are just flying for fun. ![]() Now are you ready to consider drone insurance? Here’s what you need to know: Commercial Insurance The CFC requires that coverage has a limit of at least $2 million. For example, the California Film Commission requires that drone pilots not only have their Part 107 license, but also have proof of insurance coverage in order to get a permit to film on state property. However, there are a few situations where drone insurance is required by law, contingent upon where and how the drone is flying. On a federal level, the Federal Aviation Regulation Part 107 does not require that drone pilots have insurance. Jerry Brown vetoed that bill, noting that drone insurance requirements on the state level would have “create significant regulatory confusion by creating a patchwork of federal, state and local restrictions on airspace.” California Assemblyman Mike Gatto in 2016 introduced a bill that would require drone pilots to hold “inexpensive ($1, or so) insurance policies sold at the point-of-sale.” California Gov. History of US Drone Insurance LawsĪ handful of lawmakers have fought - unsuccessfully to make drone insurance a legal requirement. And in Sweden, both recreational AND commercial operators are required to carry liability insurance. Proposed drone laws in Canada would require compulsory liability insurance of $100,000 for any drone over 250 grams (for context, DJI’s smallest drone, the Spark, weighs 300 grams). Other countries may require pilots to carry insurance for the drones. Note that the following guide applies to flying drones in the U.S. What if you lose control while flying your drone and it hits another person, sending them to the hospital? You could be liable for their medical bills - and looking at a potential lawsuit - if uninsured. You could be liable for the damage if uninsured. You’re photographing a neighborhood for a real estate gig in Hollywood, but your drone flies away, crashing into an electrical wire nearby and knocking out power to hundreds of residents for hours. Say you’re an experienced drone operator but your drone experiences the phenomenon of the flyaway. Here’s the short answer: Legally? Generally not. ![]() While not a legal requirement in the US, commercial pilots should have insurance anyway, both to protect against damage to your own drone as well as to guard against any damage your drone causes in the event of an accident. ![]() Flying a drone for commercial purposes? Chances are, you’re going to want to make sure you’ve got drone insurance.
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