Businesses do not always own every drone they operate.

Drones may be:

• Hired.
• Leased.
• Borrowed.
• Supplied by a client.
• Operated on behalf of another organisation.

These arrangements need to be considered when arranging insurance.

Can liability cover apply to a hired drone? #

Potentially.

Some specialist Drone Liability policies can extend to approved non-owned drones operated by the insured business.

The policy wording and insurer approval are important.

Can the hired drone itself be insured? #

Possibly.

Physical damage cover for a hired or leased drone may need to be specifically arranged.

The insurer may ask for:

• Make and model.
• Replacement value.
• Ownership details.
• Hire agreement.
• Responsibility for damage.

Does the hire company’s insurance protect me? #

Do not assume that it does.

A hire company may insure its own equipment but can still make the hirer responsible for:

• Damage.
• Excesses.
• Loss of the drone.
• Other contractual liabilities.

The hire agreement should be reviewed.

What if an employee owns the drone? #

Tell Webber Insurance.

A personally owned drone being used for business should not automatically be treated as insured under the business’s policy.

The ownership and business use should be disclosed.