The use of commercial drones (also known as ‘unmanned aerial systems’ (UAS) is expanding.
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Specialist aviation cover and claims service for commercial use of drones.
Covers multiple drones, unlimited qualified pilots and meets EU regulation EC785/2004 and CAA requirements.
We can cover operators flying in the open and specific categories including all sub-categories A1, A2 and A3 subject to having the correct permissions.
You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.
Our commercial drone insurance policy covers drone use such as film and media, search and rescue operations, surveys, security, construction and agriculture.
Our policy will cover you for bodily injury and damage to third parties caused by your drone, up to £50 million, giving you peace of mind.
Our policy meets Civil Aviation Authority and EU regulation EC 785/2004. Public liability covers bodily injury and property damage and extends to include claims from war, terrorism and hijack. We also cover for claims from invasion of privacy and noise liability.
We provide cover for loss, theft or damage, at your premises or in transit, including hijacking so you can feel safe in the knowledge that your business operations are protected.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
You can own a drone without cover, but in order to gain the qualification to fly it legally for business purposes you will need commercial drone insurance.
EC regulation 785/2004 defines UAVs as aircraft and therefore UAV operators as aircraft operators. Drones being used for commercial purposes are defined as an unmanned aerial vehicle (UAV) being used in return for remuneration or other valuable consideration.
For example, a builder commissioned to provide a survey for a client for a fee will need to have a permit to fly for commercial operations from the CAA, or bring in an operator who has this permission.
In order to obtain the permit to fly for commercial operations from the CAA the operator will need to demonstrate that they have third party liability cover with the requisite extensions required under the EC regulation 785/2004 which our policy will cover.
This will need to be a minimum of 750,000 SDR’s [Special Drawing Rights IMF currency], our starting level of public liability of £1,000,000 GBP will be sufficient to meet this, but dependant on the weight/payload of the drone this limit of liability may need to be increased. We can cover up to £50,000,000 GBP without referral.
The policy wording shows your cover is compliant, subject to weight of your drone which dictates the level of liability you need. This is important to check as otherwise you won’t meet CAA requirements or EU regulation EC785/2004.
When using your commercial drone it is important that you ensure you are adequately covered.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.
Yes, as a minimum you will be required to hold Operator ID’s for all drones and Flyer ID’s for anyone flying. You may also be required to complete further courses depending on which category or sub-category you wish to fly in.
we can cover this - you will need to let us know so we can extend your policy.
Commercial drone insurance can be restricted to liability on its own (if you have a smaller, less expensive craft you may wish to consider this). If you need full cover including damage and theft for the hull/payload/spares this can all be included as one simple package.
However, you must always include the liability cover to meet CAA regulations if the drone is being used for commercial operations.
We can cover multiple drones, and multiple operators providing insurance for a drone operator with a single hull, or larger organisations with larger requirements.
Some insurers will only cover your commercial drone operating over ‘hazardous’ locations (such as a city or oil rig) with prior notification. We think flying over any location might present a hazard and that this requirement is onerous and unnecessary, so we don’t make any distinction. With our policy you’re covered.
Sometimes the Foreign and Commonwealth Office advise against travel to certain countries. We might still be able to support your business requirement to travel and operate – please call us with the details.
Yes. If your drone is stolen on location, then we don’t need to see visible signs of theft. If your drone is stolen from your premises or vehicle, then we would expect there to be some signs of break-in as well as a crime number from the police.
The potential liability issues arising from operating a drone commercially are much closer to those that happen in aviation. In working with a leading aviation insurer, all aspects of cover, service and claims (including access to specialist lawyers), we benefit from this specific area of expertise.
If you would prefer to spread the cost of your commercial drone insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).
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