Whether you use drones for aerial photography, surveying, inspections, construction or other commercial activities, the right insurance can help protect your business against the risks associated with operating unmanned aircraft.
Commercial drone operations can involve a combination
of expensive equipment, specialist activities,
third-party exposure and contractual requirements.
A standard business policy may not automatically be
designed around the way a drone operator works, which
is why it's important to explain your activities when
arranging insurance.
A commercial drone setup can involve much more than the aircraft itself. Cameras, sensors, controllers and other equipment can all form part of your operation.
Drone operations can create potential exposure to third parties and their property, particularly when operating around buildings, people or other locations.
Aerial photography, surveying, inspections, construction and other specialist activities can present different risks.
Clients and contractors may require particular levels or types of insurance before allowing you to undertake work.
Your operating environment can be an important part of assessing the risk, from construction sites and commercial premises to rural locations.
If an insured event damages equipment or disrupts your operation, the resulting effect on your ability to trade may also need to be considered.
The insurance requirements of a drone operator can
vary considerably depending on the equipment,
activities, locations and clients involved.
Depending on your circumstances, a combination of
different commercial covers may need to be considered.
Cover for the aircraft and associated equipment may be available depending on the type, value and use of your equipment.
Protection against certain claims involving third-party injury or damage to third-party property arising from your activities.
May be relevant where your drone business provides professional services such as surveying, inspection or specialist consultancy.
If you employ staff, Employers' Liability insurance will generally need to be considered and may be a legal requirement.
Depending on the circumstances, Business Interruption cover may help protect certain financial losses following insured damage or another insured event.
Legal Expenses insurance may provide assistance with certain insured legal disputes and associated costs, subject to the policy.
Particularly relevant where your business stores customer information, relies on technology or transfers data electronically.
Personal Accident cover may be considered for operators or employees where appropriate, depending on the policy selected.
If you hire or borrow specialist equipment for particular projects, the insurance arrangements may also need to take this into account.
Commercial drone operations can involve people,
property, expensive equipment and client
responsibilities.
Understanding the different risks involved can help
you consider which areas of insurance are important
for your particular operation.
A drone can operate around buildings, vehicles,
members of the public and other property.
An accident could potentially result in injury
or property damage, creating financial and legal
consequences for the business.
A drone or associated equipment can represent a significant investment and may be exposed to accidental damage, depending on the circumstances.
Weather, technical problems, operator error and the environment can all contribute to operational risk.
Clients may require particular insurance arrangements before allowing you to undertake specialist work.
Commercial drones are used across a wide range of
industries. The risks involved can vary depending
on what you're doing, where you're operating and
who you're working for.
We can discuss the insurance considerations relevant
to your particular operation.
Commercial photographers and videographers using drones to capture aerial imagery for clients, events, marketing and media.
Operators carrying out aerial surveys, inspections, measurements and information gathering for property and land projects.
Drone operators working on construction sites for progress monitoring, inspections, surveying, photography and reporting.
Businesses using drones to inspect roofs, buildings, structures and hard-to-access areas without conventional access methods.
Drone operations supporting agricultural, environmental, land management and monitoring activities.
Drone businesses carrying out specialist inspections of infrastructure, industrial sites, commercial property or other assets.
Operators providing aerial footage and imagery for sporting events, festivals, weddings, promotional work and media productions.
Commercial operators using drones for monitoring, observation, surveying or other specialist information-gathering activities.
If your particular drone operation isn't listed, tell us what you do and we can discuss the insurance considerations that may apply.
Drone operators can face a wide range of incidents.
The consequences aren't always limited to repairing
or replacing the aircraft.
Here are some examples of situations where the
right insurance arrangements could be important.
During an inspection or photography project, the drone loses control and causes damage to a building, vehicle or other property.
A hard landing, collision or other incident damages the aircraft or associated equipment during normal commercial operations.
Technical problems prevent an operator from completing a scheduled project, potentially creating additional costs or delays.
A client believes an inspection, survey, report or other professional service contained an error and seeks compensation.
A drone, camera or other valuable equipment is stolen while being transported, stored or used for a commercial project.
A contractor or commercial client asks for evidence of particular insurance before work can begin.
Tell us what you do, what you fly and who you work for. We'll discuss the insurance considerations relevant to your business.
Drone businesses can be very different from one
another. Aerial photography, surveying,
construction inspections and specialist
commercial operations can all involve different
risks.
That's why we start by understanding what you do,
rather than simply trying to fit your business
into a standard policy.
Our focus is commercial insurance, helping businesses consider the risks associated with their individual activities.
We want to understand what you actually do, where you operate and who you work for.
Your insurance requirements may extend beyond the drone itself, including liability, professional activities and equipment.
As your business grows, new aircraft, employees, services and contracts can change your insurance requirements.
From liability and equipment to the type of work you undertake, here are some of the common questions we receive about drone insurance.
Tell us what you use your drone for, what equipment you operate and the type of clients you work with. We'll discuss the insurance options that may be relevant to your business.
Get a Drone Insurance Quote →Whether you're an aerial photographer,
surveyor, inspection specialist or another
commercial drone operator, we can discuss
the insurance considerations around your
particular operation.
Tell us what you do, what you fly and the
type of work you undertake.
Complete our enquiry form and tell us a little about your drone operation.
Get a Drone Insurance Quote →Complete the form below and tell us a little about
your drone operation, the work you undertake and
the equipment you use.
The more information you can provide, the easier
it is for us to understand your requirements and
discuss the insurance options that may be available.
