• Nate Jones, CPCU, ARM, CLCS, AU

Do I need drone insurance?

by Nate Jones, CPCU, ARM, CLCS, AU - Wexford Insurance - Indianapolis, IN


Flying a drone for commercial use has been a good way from for many businesses to expand their services. Drones can capture pictures and videos for real estate agents, farmers, weddings, and photographers. Making sure that you are properly covered for liability claims arising out of operating your drone is important.

Commercial drone insurance is like other liability policies covering bodily injury and property damage. In addition drone liability coverage, most drone insurance policies cover physical damage to the drone itself. An example of this is, if you drone is lost or damaged in an accident, the insurance could cover all costs incurred to repair or replace the drone.

Is drone insurance required?

In short, no drone insurance is not required by the Federal Aviation Administration (FAA) which is the main body responsible for regulating the use of Unmanned Aerial Vehicles since it is classified as an "aircraft."

Although drone insurance is not required, it is important to protect your business against from liability related claims. A normal general liability insurance policy will likely exclude drone liability related claims.

What does drone insurance cover?

  • Liability Insurance - This includes coverage for bodily injury and property damage as a result of your drone activity. If your business is operating a drone for another company, they will likely require you to have insurance for liability related claims as a result of your drone operation.


  • Hull Insurance for Drones - This provides coverage for the actual damage to the drone itself. Additional equipment attached to your drone can be expensive. Making sure you are covered in the event of a loss is important.

Below, we have provided some businesses that may utilize a drone within their operations that may be in need of drone insurance near them.

  • Real Estate Agent Drone Insurance

  • Home Inspector Drone Insurance

  • Videography Drone Insurance

  • Wedding Photographer Drone Insurance

  • Engineering Companies

  • Construction Companies

  • Railway inspection companies

  • Highway inspection companies

  • Crop inspection and farmers

  • Traffic and News stations

  • Fire Stations

  • Law Enforcement

  • Commercial Film Makers, Commercial Photographers

How much does Drone Insurance cost? - Click the link below for an instant quote!


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