Drone insurance provides unmanned aerial vehicle and unmanned aircraft system operators protection against accidental injuries or damage inflicted by their drone.
Drone insurance primarily covers third-party liability bodily injury and property damage claims for small business owners.
Drone liability insurance providers evaluate the risk based on the drone’s purpose, the geographic area the drone will operate in, and the potential for property or bodily injury damage.
For example, there is more risk to fly a drone over a wedding than there is to fly it over an unpopulated canyon leading up to a house in the hills.
Drone insurance typically refers to drone liability insurance. This covers the drone operator or his business from accidental injuries to bystanders or private property.
Most commercial drone liability insurance is sold to professional photographers, videographers, and an increasing number of real estate agents and agriculture companies.
Some personal drone operators will purchase personal drone liability insurance.