What is Drones and Unmanned Aerial Vehicles (UAV) Insurance

Drones and Unmanned Aerial Vehicles (UAV) are fun to operate. In fact, the Federal Aviation Administration estimates that as many as 30,000 drones and UAVs will be in the air by 2020. Learn more about drones and UAV insurance that protects you as you operate your drone or UAV.

Why Do You Need Drone and UAV Insurance?

Despite their popularity, there are few regulations in place for drone and UAV operators. However, you are responsible for any damage caused by your drones and UAVs whether you're an experienced or novice operator and whether your machine is operated via a remote or is semi-automatic or fully automatic.

An insurance policy covers any financial liability you may sustain as it protects your assets and gives you peace of mind.

What Does Drone and UAV Insurance Cover?

Drones and UAV insurance can cover several things.

  • Hull coverage
  • Broad liability coverage
  • Legal liability
  • Premises liability
  • Personal injury
  • Medical expenses
  • Extra equipment coverage - includes any on board tools and equipment
  • Invasion of privacy
  • Non-owned coverage if you operate someone else's drone or UAV
  • War perils if your drone or UAV sustains damage from a malicious act
To understand your options, remember that hull coverage pays for damages to or loss of your unmanned drone or UAV. You can file a claim as long as the damage occurred within the territory your policy covers. With liability coverage, your insurance policy will pay any damages your drone or UAV causes to someone's property or to a person. It can also cover invasion of privacy violations and defend you if someone files a lawsuit against you because of damage your drone or UAV causes.

In many cases, you may customize your drone and UAV insurance. Choose either or both hull and liability coverage. As with most insurance policies, there are standard exclusions that are outlined in your policy, so read it carefully before you operate your machine.

Where Can You purchase Drone and UAV Insurance?

Talk to your general insurance agent or drone and UAV insurance specialist about coverage for your drove and UAV.  Be prepared to provide details about your drone or UAV to ensure you receive an accurate quote and the right coverage for your needs.

Additionally, consider taking a drones or UAV training course. Learn how to operate your drone or UAV properly, identify potential operating hazards and keep your drone or UAV in top working condition. With this course, you're less likely to cause an accident, and your insurance premiums could decrease.

Drones and UAV insurance is important if you operate a drone or UAV. Ask your insurance agent about it today.
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