Last Updated: January 9, 2023

Drone Insurance

Find the best insurance agent and protect your drone

TLTR: This article gives you an insight into drone insurance and how beneficial it can be for drone owners.

Even if you are a skilled drone pilot, you could be flying during adverse weather, or the drone could malfunction while in the air. Hence, you need to be prepared to tackle the losses incurred. Commercial drone insurance covers your UAVs (Unmanned Aerial Vehicles), hence allowing you to rest easy. 

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 blog

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Who Needs This Coverage?

Businesses that use aerial vehicles as part of their business require the coverage. These businesses can include:

  • Commercial photographers
  • Delivery Service
  • Filmmakers
  • Emergency response and damage assessment
  • Traffic monitoring and news reports
  • Humanitarian aid and rescue teams

According to the Federal Aviation Authority (FAA), as of April 2021, there are 873,265 drones registered within the United States. 365,870 out of those are registered as commercial drones, whereas 503,896 are registered as recreational drones.

Drones used for recreational purposes are not legally mandated to get insured. However, those drones will have to comply with the FAA‘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 insurance 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. That’s where the coverage comes in handy!

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.


Three of the most common types of drone insurance are:

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.

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 Commercial Drone Insurance Cost?

There are various factors that determine the cost:

  • Flight hours and location
  • Cost of the drone
  • Flight experience of the drone pilot

While the coverage limits generally start around $500,000, the above factors will add to or subtract from your final quote.

Why Should I Get an Insurance Agent for My Commercial Insurance? 

When making purchases, it is always beneficial to be an informed consumer, taking time to learn about the best deals for our hard-earned money. However, with some purchases, such as buying a new home or getting insurance coverage, it is best to let the best insurance agents near you do the research for us. Having an insurance agent on your side to research and handle the transaction details will provide you a number of benefits and help you. We’ll tell you the key benefits of using an insurance agent near me for your insurance coverage needs.  

Better Choice for Policies 

A reliable insurance agent will provide you with valuable insight into the insurance coverage options available so you can select the best policy to meet your needs. They can also explain complex policy language and help you understand your coverage and any exclusions so that you know exactly what you are getting.  

Saves your time and money  

A business insurance agent will shop around on your behalf to secure the best rates and coverage at the best price. They have access to multiple insurance companies, giving them the ability to compare rates and policies to ensure you get the best value for your money.  

They provide their insurance expertise  

Insurance agent is familiar with the insurance companies, they will help ensure that all paperwork is completed properly and submitted on time. This can save you time and frustration by helping to ensure that your claim is processed quickly and correctly. They will understand your insurance needs with the help of their knowledgeable about insurance market and you will get the coverage you need at a great cost. 


We provide you the best insurance agents near me for affordable, quality insurance coverage tailored that will fulfill all your personal and business needs. From homeowners, auto, life, and commercial insurance agents near me, we offer all the insurance options. With us, you will be assured knowing you’re getting the coverage you need at an affordable price. 

Are purchasing a drone or already have one? Find an insurance agent near you to get full coverage.

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.


Do I Need a Drone Insurance?

If you are a professional drone operator, or if your drone is used for business purposes, then drone insurance is a must. If you own a drone make sure you have the insurance to protect yourself and your property.

Will I Save Money If I Use an Insurance Agent?

Working with an insurance agent will save you time and money. Agents have access to a variety of insurance companies and products, allowing them to shop around and find the best coverage and pricing for you. An insurance agent can also help you understand the different policy options and answer any questions you have. 

How Do I Find a Reliable Insurance Agent?

Finding a good insurance agent will save your time and money. We will help you find a reliable insurance agent and get insurance at affordable rates. 

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Multiple Coverage Options at Your Fingertips

Choose from various options and select the policy that best suits your requirements.