Reckless or illegal activity: If you use your drone in a reckless or illegal manner-or in a way that intentionally invades someone’s privacy-your insurer could deny your claims.Political or terrorist acts: Activities with political or terrorist purposes are typically not covered.Injuries to employees: Injuries to your employees are covered by workers compensation insurance.Failure to get licensed or list an operator on your drone insurance could result in your claims being denied. Additionally, you must list any and all drone operators on your drone insurance policy. Incidents caused by unlicensed or unregistered drone operators: Anyone who flies a drone commercially must be licensed with the FAA.You may need to buy additional drone insurance coverage for these types of items, such as payload insurance. For example, Skywatch.AI doesn’t cover items such as computers, mobile phones, non-drone cameras and tablets. Damaged add-on equipment: Even if you buy hull coverage, your drone insurance might not cover any damage related to non-drone equipment.Your drone insurance may exclude the following: You may be able to purchase add-on coverage to help pay to repair or replace specific items, such as sensors and equipment you take airborne, as well as equipment you use on the ground.įor example, sells add-on coverage for sensors and ground equipment, while Global Aerospace sells optional coverage for ground equipment such as controllers and launchers. Personal and advertising injury coverage protects you against several different types of claims, such as copyright infringement, libel, slander and violation of a person’s privacy. This covers expensive “payload” items that attach to your drone, such as photography cameras, LIDAR lasers, thermal cameras and other types of gear. Medical expense insurance pays for your medical bills if you or others specified on your policy are injured by an accident involving your drone. Hull coverage may not cover equipment that is not directly related to the drone, such as computers, mobile phones, non-drone cameras and tablets. This coverage type is also called “commercial drone physical damage coverage.” Hull insurance is an optional coverage type that covers the cost to replace your drone if it gets damaged or stolen.
For example, if you cause an accident that results in injuries, your liability insurance can cover the cost of the other person’s medical expenses and your legal fees. Liability insurance also covers the cost of your legal defense, judgments and settlements if you are sued because of an accident. For example, if you crash your drone into a building and break a window, your liability insurance can cover the cost of repairs. Liability insurance covers property damage and injuries you accidentally cause others. Here are some coverage types you can get with drone insurance. For example, you could accidentally crash your drone into someone’s house and cause property damage, or lose control of your drone and strike a person causing an injury.Ī good drone insurance policy is a type of small business insurance that contains essential coverage types such as liability insurance for property damage and bodily injuries accidentally caused to others, as well as other coverage types. What Is Drone Insurance?ĭrone insurance is designed specifically to cover the risks associated with flying Unmanned Aerial Vehicles (UAVs)-also known as drones.
Drone insurance how to#
Here’s how to find the best drone insurance. That’s why it’s so important to have the proper insurance in place. And if you cause an accident with your drone, you could be held responsible for major property damage or injuries to others. Your drone can generally fly at altitudes up to 400 feet and speeds up to 100 mph.īut at those speeds and heights, a lot can go wrong. The Federal Aviation Administration allows for you to fly a drone for work or business as long as it’s under 55 pounds and you meet certain requirements. Drones can be a useful tool for photographers, real estate agents, contractors and other types of small businesses.
0 kommentar(er)
