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Drone/Tech Liability Insurance Information
The Rules and Risks Regarding the Commercial Use of Drones
This material is provided for informational purposes only. Before taking any action that could have legal or other important consequences, confer with a qualified professional who can provide guidance that considers your unique circumstances, including state-specific employment laws.
Drones have become common for both personal and professional use. Despite usually being small in size, these unmanned aircraft can create sizable risks and exposures for owners and operators. Whether you are using your aircraft as a hobby or for commercial reasons, it’s necessary to understand the risks involved in operating a drone and protect yourself with adequate insurance.
Why Is Drone Insurance Important?
There are several situations involving your drone that could lead to significant losses and damages. As such, the importance of sufficient insurance may also be multi-faceted. When accounting for various risks and exposures present while using your drone, consider the following potential issues:
Who Needs Drone Insurance?
- Liability—Although most drones may not carry the same destructive capabilities as cars or other motor vehicles, your drone is still fully capable of crashing and causing significant injuries or property damage.
- Violation of privacy—if you inadvertently violate another party’s privacy while operating your drone, they may sue you.
- Drone damage—Given their general purpose, drones face the inherent risk of being lost, damaged or destroyed. Furthermore, your drone could be stolen or damaged even while being stored.
- Legal noncompliance—All drones weighing over 0.55 pounds must be registered with the Federal Aviation Administration (FAA). Additional requirements may vary depending on the specifications of your aircraft and its intended use. For example, operators of drones being used for commercial purposes must hold an FAA Remote Pilot Certificate.
Although drone insurance is not legally required in the United States, acquiring and maintaining suitable coverage may still be advisable. Even the most qualified and cautious operators may eventually be affected by malfunctions or accidents. Without adequate insurance, even a single incident could have significant financial consequences.
Insurance options for drone use may depend on whether you use your aircraft for personal or business purposes. For those operating their drones recreationally, it’s possible that the liability portion of your homeowners or renters insurance policy could provide financial assistance in response to injuries, property damage or privacy violations. Meanwhile, commercial use of drones may require additional—and even specialized—coverage. For example, most general liability policies exclude incidents involving aircraft.
Get the Right Coverage
Insuring your drone can be a complicated matter. Fortunately, the agents at American Insurance are well-equipped to help operators in the Salt Lake City and Las Vegas areas understand their insurance needs and coverage options. We will work with you to help you understand your risks, exposures and requirements, and ensure optimal protection. Contact us today to get started.