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What is Non-Owned Drone Coverage?

March 3, 2020

The use of drones has drastically increased in recent years, and while they may be extremely useful, they also bring with them added liability. Companies from a wide variety of different industries use drones, and most of these businesses will either rent a drone or hire a drone contractor. When you do this you need to make sure the drones and their operators are covered.

commercial drone insurance coverage

As a company that has been providing drone insurance in Maryland for years, we wanted to take some time today to discuss non-owned drone coverage and why it’s important to have it.

Make Sure You’re Covered

Corporate non-owned UAS and UAV insurance provide coverage to you and your business.These coverages are specifically designed to protect you when hiring a commercial drone operator. There are a number of industries that can benefit from using drones and having non-owned Maryland drone coverage, here are just some of the different industries that can benefit from using drones:

  • Film and production
  • Air ambulance
  • Aerial photo and survey
  • Pipe-line patrol
  • Power-line patrol

Won’t I Be Covered By the Drone Owner’s Insurance?

It depends on how you’re connected to the UAS owner, but you may be covered by the owner’s policy. Most policies will extend coverage to permitted users, but this coverage typically only provides liability coverage to those who are insured by name. If you’re responsible for arranging or operating the flight, it’s likely that you don’t have protection.

Can I Buy My Own Insurance to Cover Drones I Use But Don’t Own?

Yes, you can. If you qualify, coverage is generally available for all uses. Whether you need drone coverage for commercial reasons or for personal use, there is an insurance plan that will work for you. Commercial coverages are usually much more comprehensive when compared to their personal use counterparts.

Work With a Professional Drone Insurance Provider

Here at American Heritage Insurance Agency, we’ve been providing insurance to both commercial and residential drone owners in Maryland for years. As drone usage has increased, so too has the need for insurance plans that cover them, and we’ve seen this first-hand. Don’t try and navigate the waters of drone insurance alone. Give us a call today!

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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Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

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