Drone Insurance can be structured to cover both liability arising from drone operations and physical loss or damage to the equipment itself.

The available sections depend on the insurer.

What can liability cover include? #

Third-party liability cover can respond to certain legal liabilities arising from drone operations involving:

• Personal injury.
• Property damage.
• Associated legal defence costs.

The policy remains subject to its limits, exclusions and conditions.

Can the drone itself be insured? #

Yes.

Physical damage or hull cover can be available for the drone.

Depending on the policy, insured events can include:

• Accidental damage.
• Crash damage.
• Theft.
• Other specified physical loss.

What about cameras and payloads? #

Specialist equipment fitted to a drone can be valuable.

Depending on the insurer, cover may extend to specified:

• Cameras.
• Sensors.
• LiDAR equipment.
• Surveying equipment.
• Other payloads.

These items should be accurately declared.

Can ground equipment be covered? #

Some policies can also include equipment such as:

• Controllers.
• Ground stations.
• Batteries.
• Associated operational equipment.

Are all drone operations automatically covered? #

No.

The insurer needs to understand how and where the drone is operated.

Higher-risk operations can require specific underwriting, including work involving:

• Flights near people.
• Controlled airspace.
• Beyond visual line of sight.
• Large drones.
• Unusual payloads.
• Overseas operations.