Drone / UAV (Unmanned Aerial Vehicle) Insurance
J.M. Wilson Corp. offers a specialized Drone / UAV Insurance program tailored for commercial clients using unmanned aircraft across a wide range of industries. Whether your insured is capturing aerial footage for real estate marketing or monitoring agricultural fields, this program provides comprehensive protection that’s designed specifically for drone operations — not simply adapted from traditional aviation policies.
Target Industries and Ideal Accounts:
- Film & Production – Aerial photography, cinematography, and media projects
- Agriculture & Livestock – Crop monitoring, livestock tracking, and conservation work
- Construction – Site surveys, progress tracking, and structural inspections
- Real Estate – Aerial imagery and video for listings and promotional materials
- Powerline / Pipeline Patrol – Infrastructure inspections and remote surveillance
Coverage Highlights and Program Advantages:
- Coverage offered through an A Rated carrier
- Dedicated drone/UAV policy forms and endorsements — not retrofitted aviation policies
- Protection for both UAV hull and liability exposures
- Customizable to the operational needs and risk profiles of your clients
Underwriting Considerations:
- Maximum flight speed: 30 MPH
- Drone weight: Under 55 lbs
- Flight altitude: Below 400 feet AGL
- Daylight operations only, within visual line of sight
- Operations must occur at least 5 miles from the nearest airport
Agents may find this program ideal for clients such as a construction firm that uses drones for site monitoring, or a real estate agency capturing aerial videos of high-end properties. The combination of specialized coverage and practical underwriting criteria makes it a strong option for a wide range of commercial drone users.
Admitted Status and Carriers:
J.M. Wilson has access to both admitted and non-admitted markets for this program, allowing flexibility to meet unique risk profiles. We represent several top-rated carriers to deliver competitive and reliable coverage options.
Minimum Premiums and Pricing:
Minimum premiums vary depending on the size and scope of operations. Contact us for a quote tailored to your insured’s specific drone use and risk exposure.
Available States:
This Drone / UAV Insurance program is available in: AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, and WV.
Why Partner with J.M. Wilson?
As a Managing General Agency and E&S Broker with decades of experience, J.M. Wilson delivers responsive service, knowledgeable underwriting, and access to niche markets. Our Drone / UAV Insurance program is built with the needs of modern businesses in mind and backed by carriers who understand emerging technologies. We’re here to help you place your clients with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this Drone / UAV Insurance program?
Ideal accounts include commercial drone operators in industries like real estate, construction, agriculture, film production, and utility inspection.
Is this program available on an admitted or non-admitted basis?
J.M. Wilson offers access to both admitted and non-admitted markets depending on the risk and state guidelines.
Are there specific operational restrictions for eligibility?
Yes, eligible drones must weigh under 55 lbs, operate below 400 feet, fly at speeds under 30 MPH, remain within visual sight, and stay at least 5 miles from airports.
Which states is this Drone / UAV program available in?
This program is available in AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, and WV.
Can I get a quote for a client with unique drone operations?
Yes, J.M. Wilson can help review and quote accounts with unique drone usage as long as they meet basic underwriting guidelines.
Need help placing an account? Connect with a market specialist.