Should I Get Drone Insurance Before I Fly?
A big question is should we get drone insurance before we fly our drones? Immediately we would say yes. Drone insurance covers you for damage to your drone, or against claims made by someone whose property your drone may accidentally damage.
Should you lose control of the drone or you lose connection to your drone and it falls on to someone’s car, home or commercial building for example, you’ll be covered for both the damage to the drone and for the claim from the property owner.
Home Insurance DOES NOT cover you for flying your drone. This is likely to apply worldwide.
Do you need Drone Insurance to fly a drone?
Commercial drone operators will require, as a minimum, public liability insurance to protect against legal liability for third party property damage or injury whilst using a drone
Performing a quick drone insurance online search will display a number of drone insurance companies offer a variety of costs for drone insurance cover.
Drone Insurance for the UK, EU, Canada, Australia and New Zealand
In Europe and the UK, professional drone operators flying over and EU member state or the UK must have drone insurance cover that complies with (EC) 785/2004 insurance requirements. Insurance Requirements for Air Carriers and Air Operators defines the minimum level of insurance cover required for all air carriers and air operators under which drones are covered.
An example of such an insurance provider would be CoverDrone. Coverdrone are a specialist drone insurance company providing commercial and recreational insurance cover for drone pilots.
The insurance provides full cover whilst in-flight, aviation liability, data protection, invasion of privacy and much more.
CoverDrone can provide a suitable insurance quote covering Unmanned Aircraft System (UAS), Small Unmanned Aircraft (SUA), Unmanned Aircraft (UA), Unmanned Aerial Vehicle (UAV) or a Remotely Piloted Aircraft System (RPAS) and is available in the UK, EU, Canada, Australia and New Zealand.
When applying for drone insurance you will need to consider a few things such as have you passed the relevant drones exams for your country, also have you undertaken the required amount of flight time relevant to your country, are you keeping a drone maintenance log, these are some of the insurance requirements to get a drone insurance policy
On occasion you may find that the contract you have been tasked to undertake may require specific insurance cover, such as is your liability cover high enough, but we would always ask the company to double check.
Drone Insurance for the USA
Surprisingly if you live in the United States and want to fly a drone for recreational or commercial purposes then you are not required by the FAA (Federal Aviation Administration) to insure your drone.
However, different states are implementing their own drone laws, so if you live in Minnesota you are required to take drone insurance. Our advice would be to double check your state drone law requirements.
As with other countries you may need to fulfil certain requirements to get suitable drone cover, such as have you passed the relevant drones exams for your country, also have you undertaken the required amount of flight time relevant to your country, are you keeping a drone maintenance log, these are some of the insurance requirements to get a drone insurance policy
Again as above occasion the contract you have been tasked to undertake may require specific insurance cover so we would always ask the company that is contracting you to double check