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Commercial Drones and Related Insurance Coverage

As a result of recent and more flexible FAA safety guidelines, this year alone could see 600,000 commercial drones flying the US airspace.

“With these rules,” said FAA Administrator Michael Huerta, “we have created an environment in which emerging technology can be rapidly introduced while protecting the safety of the world’s busiest, most complex airspace.”

RELATED: Do personal drones need insurance?

So what does that say in regard to the insurance perspective? Many smaller-sized commercial drones are pulled towards Inland Marine coverage that offers protection for transportation and mobile equipment risks.

Related risk exposures include:

  • Collision involving other aircraft, trees, utility poles and higher building levels

  • Battery power failure

  • Hijacking

  • Cyber threats

  • Flyaway loss

  • Business interruption loss


Criteria that need insurance evaluation prior to coverage acquisitiion include the following and more:   

-          The value of the drone, along with incorporated equipment, like

-          Distance and flight duration abilities

-          Type of airspace flown

-          Features

-          Storage location and safeguarding precautions

-          Specific design of operations

-          Cargo usage

Utilization of drones for business seems to be something that the commercial vista will see more and more of, bringing it on the stirring forefront of the insurance horizon. For more information about related risks and coverage, speak to a qualified independent agent.


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Summary: Commercial drones are becoming more commonplace. Understanding the insurance requirements is one of the essential components in any industry that makes use of them.


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