Overview — Veracity Insurance Solutions, LLC Drone Insurance
As aerial operations expand, more individuals and businesses are using drones for commercial and personal work. Veracity Insurance Solutions, LLC offers a dedicated Drone Insurance program designed for agents and brokers who need reliable liability and property solutions for clients operating unmanned aircraft systems (UAS).
Many standard carriers exclude drones or limit coverage for unmanned aircraft. Veracity’s program fills that gap by providing tailored coverage options through its managing general agency and excess & surplus lines placement capabilities. The program supports a range of commercial and high-value personal operations with quick underwriting response and practical policy terms.
Ideal accounts and appetite
This program targets professional drone operations and higher-risk personal uses where specialized liability and equipment coverage are needed. Typical classes include:
Accounts that generally fit: professional operators who can demonstrate experience, documented operating procedures, and appropriate pilot training or certifications; businesses using drones as part of routine operations such as inspections, mapping, and media production. Accounts that commonly do not fit include military-style operations, intentional weaponization, or activities expressly excluded by the carrier (subject to underwriting).
Coverage highlights and advantages
These features make the program a good fit for operators with multiple pilots, moving equipment, or significant public/exposures in commercial settings. Inland marine can be especially helpful for insureds who transport drones and accessories between job sites.
Underwriting notes and submission requirements
To qualify, submissions should include the following:
Underwriting will assess pilot experience, operating procedures, typical flight altitudes and distances, proximity to people and property, and any special exposures (e.g., spraying, heavy-lift payloads, flights over crowds). Clear documentation of mitigations — checklists, training records, maintenance logs — helps expedite placement.
Territories and placement
Veracity writes this program across a broad territory. States available include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement may be through admitted or excess & surplus markets depending on the state and carrier invoked.
Why place this business with Veracity?
As a managing general agency and excess & surplus lines broker, Veracity Insurance Solutions provides targeted underwriting, flexible coverage forms for drone-specific exposures, and responsive turnaround on quotes. The program is designed to give agents practical options where standard markets are limited or exclude drone activity.
Example client scenarios
Example 1: You have a commercial real estate photographer who operates multiple drones for property photos and flights over residential neighborhoods. They need liability with personal & advertising injury plus hull coverage for equipment transported between sites.
Example 2: You represent an agricultural services contractor using drones for crop monitoring. The client requires liability coverage tailored to agricultural flights and inland marine for high-value equipment.
Our program gives your client the competitive edge they need!
For more information about Veracity’s Drone Insurance program, submit the required documents and one of our underwriting team members will respond with available terms and a turnaround quote.
Frequently Asked Questions
What types of accounts are a good fit for Veracity’s Drone Insurance program?
Professional drone operators such as aerial photographers, surveyors, construction inspectors, agricultural service providers, and companies performing property or infrastructure inspections. Ideal accounts can document training, maintenance, and operating procedures.
What documents are required with a submission?
Include a completed Drone Supplemental Application, three years of current valued loss runs, and a completed ACORD application. Additional risk information (pilot resumes, operations manuals) will speed underwriting.
Are there minimum premiums or typical limits I should expect?
The program carries a $1,250 minimum premium and commonly offers up to $1,000,000 general liability aggregate limits. Inland marine, hull, and property options are available based on exposure and underwriting.
Is this coverage written admitted or non-admitted?
Veracity operates as an MGA and excess & surplus lines broker. Placement may be on admitted or non-admitted paper depending on the state and carrier appetite. Underwriters will confirm placement status on a per-submission basis.
Need help placing an account? Connect with a market specialist.