Commercial Drone Insurance

The use of drones (also known as ‘unmanned aerial systems’ (UAS) is expanding and functions now include professional photography, film and media, search and rescue operations, surveys and security, as well as construction and agriculture. Our cover includes expert liability and hull protection for commercial drone users.

About Commercial Drone Insurance

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Aviation cover for commercial drones

Specialist aviation cover and claims service for commercial use of drones.

 

Care

Multiple commercial drone insurance

Covers multiple drones, unlimited qualified pilots and meets EU regulation EC785/2004 and CAA requirements.

Camera Travel

Drone insurance for all categories

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.

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Commercial Drone Insurance

Standard cover

Cover for a variety of commercial drone uses

Our commercial drone insurance policy covers drone use such as film and media, search and rescue operations, surveys, security, construction and agriculture.

Operators' liability cover

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.

EC 785/2004-compliant commercial drone insurance

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.

Loss, theft and damage cover for drones

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.

Commercial Drone Insurance FAQs

Question

How do I show the CAA that your cover is compliant with their requirements?

Answer

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.

Question

Do I need to have any drone-related qualifications to buy this cover?

Answer

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.

Question

Do you cover hired in equipment?

Answer

We can cover this – you will need to let us know so we can extend your policy.

Question

What do you mean by hazardous and non-hazardous locations?

Answer

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.

Question

Are there any restrictions on where I’m operating my drone?

Answer

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.

Question

Am I covered if my drone is stolen on location?

Answer

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.

Question

Why have you teamed up with an aviation insurer?

Answer

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.

Question

Can I pay in instalments?

Answer

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).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Question

Are there any exclusions?

Answer

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.

Make a claim

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 01489 770325 for commercial drone insurance claims

3.

Explain what happened accurately

to help your claim be processed efficiently

4.

Provide photos where possible

to help us understand what happened as quickly as we can