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What is Drone Insurance and Why Do You Need It?

June 1, 2021

Your new drone probably came with a hefty price tag. Drones are becoming more sophisticated and complex, which means that they’re becoming more of an investment rather than a toy. Whether you spend hundreds of dollars on your new drone or a few thousand, you should make sure that your investment is protected. Check out all of the ways drone insurance can protect you. 

Drone insurance: what is it?

What is Drone Insurance?

Drone insurance is similar to other types of liability insurance. This type of insurance protects you from claims of bodily injury or property damage involving your drone. It can also cover the costs of repairing or replacing your drone. There are three main types of drone insurance policies:

Liability Coverage — Protects you if your drone causes bodily injury or property damage.

Hull/Physical Damage — Covers the cost of repairing or replacing your drone if it is damaged.

Non-Owned Coverage – Covers drones and equipment that you do not own or that third parties may operate.

Why Do You Need Drone Insurance?

Although drone insurance is not required by law, there are several instances in which drone insurance is beneficial. 

You Have an Expensive Drone

Drones are expensive to replace. If you’re flying a drone that costs over $1000, it can be beneficial to carry drone insurance. The policy will cost less than the price to replace your drone, and you will feel at ease knowing you won’t have to pay extra money to replace your drone after an accident or loss. 

You’re Using a Drone for Business

Drones can be used for a variety of business purposes. If you are using yours to conduct business, you may want to consider drone insurance. If anything were to happen to your drone and you can’t afford to replace it, you could lose revenue. Drone insurance ensures you’ll be back in business sooner. Those who commonly carry drone insurance include:

  • Real estate agents
  • Engineering companies
  • Traffic monitoring
  • Commercial photographer, videographers, and filmmakers
  • Emergency response units

You Fly Your Drone Often

The more often you use your drone, the more likely an accident is to occur. Whether you use your drone for business or recreational purposes, an accident can lead to an expensive payout. If your drone crashes into a neighbor’s window or injures someone nearby, you could be liable for damages. 

Comprehensive Drone Insurance from American Heritage 

Ready to protect your drone investment? Look no further than American Heritage Insurance. We offer unique and comprehensive UAS/UAV/ Drone Insurance programs for commercial drone operations. Contact us now to request a MD Drone Insurance Quote.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

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