- 3/23/17 -
American Heritage Insurance Agency offers a unique comprehensive UAS/UAV/ Drone Insurance program for commercial drone operations. Whether you plan on hiring a drone operator or flying a drone with financial gain in mind, we can help you find the adequate liability coverage and physical damage coverage to protect you and your aircraft. We have clients throughout the United States who work on a worldwide scale.
Types of Drone Insurance Coverage
Currently, you can purchase Liability, Hull (Physical Damage), and Trespass (Privacy) coverage for your drone.
- Liability coverage protects you if by operating a drone you cause bodily injury or property damage to others.
- Hull/Physical Damage covers your drone and your payload in the event that you damage it or it is stolen or destroyed (subject to policy terms). Be aware that protection plans, purchased at the time of sale, can be more costly and contain very limiting conditions.
- Non-Owned Coverage covers drones and equipment that you do not own or that third parties may operate.
**There are a host of additional coverages such as Commercial General Liability, Professional Liability, Pilots Accident, Products Liability, and Inland Marine that could be applicable. We would be happy to provide those coverages as well.**
Our unique program offers coverage to non-certified Commercial, Part 107 Certified Remote Airmen, and Licensed Pilots. Each operation is evaluated on intended use, pilot experience and training, flight time, and other factors.
Those Who Hire Drones
If you rent/lease or hire a third party to conduct flights on your behalf, there is non-owned coverage to protect your business.
Want to learn more about drone insurance? Take a look a the frequently asked questions below or contact us for a quote and/or consultation.
FAQs About Drone Insurance
What is a drone?
Drones have endless applications including, but not limited to agriculture, entertainment, inspections, and public safety.
Who can fly a drone?
Keep in mind that your drone insurance policy may specify the drone operator(s) and approved commercial usage, so if anyone other than the listed operator(s) or approved usage, any resulting damage or liability may not be covered.
What approvals do I need to fly a drone?
To fly a drone for commercial purposes, the FAA released the Small Unmanned Aircraft Regulations (Part 107) requirements on August 29, 2016. These new rules have greatly reduced the barriers to operate a compliant commercial drone business.
Do I need to hold a Remote Aircraft Certification or Manned Aircraft Certification?
Be advised, to operate commercially in the National Airspace, one or the other is required. However, this has not proved to be a barrier to securing insurance coverage. If your business appears to have significant experience and operate responsibly, we may be able to secure coverage.
Does my drone need to be registered?
The FAA does require that an aircraft be registered with an N number.
What is a Certificate of Authorization (COA)?
A COA is an authorization to fly within parameters that you have submitted for approval. Often times it is asking for permission to fly beyond or outside of the limiting conditions of the Small Unmanned Aircraft Regulations (Part 107).
Does my homeowners insurance cover liability for operating a drone?
Most homeowners insurance carriers we spoke to (but not all) have indicated that there will be coverage for recreational use only. There is no coverage under a homeowners insurance policy for a drone used for commercial purposes. When money is exchanged for a commercial flight, i.e. a business transaction, liability coverage under a homeowners policy ceases.
Many homeowners insurance companies don’t consider an UAV/UAS an “aircraft” as far as the terminology goes. This is a direct conflict with the FAA. Currently, the FAA does not differentiate a UAV/UAS from an aircraft. We highly recommend asking your insurance company about recreational or commercial drones. You should always confirm limits, coverage, and terms in writing before flying any drone on your property.
Our office will be glad to quote coverage for you with a number of insurance carriers offering UAS/UAV coverage. Call us or fill out the online form.
What Our Clients Say...
We are extremely Thankful for the professionalism and cooperation that American Heritage Insurance Agency, Inc. gave us in obtaining insurance for our Drone Operations with our FAA Part 333 exemption. They not only worked with us in getting our Drone Insurance but also incorporating it into a comprehensive insurance policy for our entire business. Jeffrey Morsberger is a true professional and we hope to build in a professional relationship with him in our future business ventures, he's very diligent and was extremely patient with us in some very stressful deadlines our company faced in closing our policies.
American Heritage Insurance Agency, Inc. THANK YOU for your support and professionalism with small companies like ours, www.ilandv.com.
Keith E. Cottrill, INNOVATIVE VENTURES
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