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You may have heard the recent news that Amazon is testing drones to handle their deliveries in the near future, or that Domino's has begun delivering pizza by drone. Maybe you even see opportunity for a drone for your own business. Though drones can have a positive impact on your company, operating a drone comes with a lot of responsibility and potential liability. Drone insurance is the best way to reduce this liability to keep you and your business protected in case of an accident.
It is true that the US currently does not require insurance to operate commercial drones. But don’t let this information sway you to take a gamble and not insure your drone or the liability that comes with it. Remember that the Federal Aviation Administration (FAA) views any drone over .55 lbs as a legitimate aircraft. This ruling equates to many federal regulations for your drone and the chances of accidentally being in noncompliance with regulations could happen to the most diligent of pilots. An accident caused by not following the rules could lead to expensive litigation. Therefore, insurance, though not required, is a must-have.
Chances are your current commercial insurance policies do not include liability associated with your drone. Call us to make sure. If your current policy does not cover your commercial drone, we will work with you to find a new policy that does.
What Is Drone Insurance?
Drone insurance is similar to other liability insurance policies you may have. It covers you in case your drone causes damage to property or harm to others. No matter where you plan on using your drone, liability insurance is crucial. In the event of an accident, you could be held liable for damage to property or harm to others.
Liability insurance is important, but as a new pilot you also want to make sure your drone is insured for physical damage, also known as Hull Damage. Hull Damage coverage applies specifically to damage or loss of the drone itself. If your drone is an important part of your business, Hull Damage can minimize loss of revenue by getting you flying again sooner rather than later.
Your Agent Needs to Know
The more your United Insurance agent knows, the better they can provide you with the coverage you need. When something in your business changes, give us a call.