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There are many things you need to insure: Your vehicle, home, business, watercraft, and life. You have health insurance, dental insurance, and vision insurance. What about your new drone? What sort of liability risk are you taking when you fly your Unmanned Aerial Vehicle (UAV)?
If you are flying your drone over, say, a neighbor’s back yard and start filming people there, is that a crime? What about filming over a park and taking video of the people there? Better check with an attorney on that one. Potential bodily injury (crashing your drone into a person) or property damage (crashing your drone into an object) is something to discuss with your insurance professional.
Many homeowners and renter’s policies will cover minor liability claims for drone accidents. Anything beyond that would depend on your coverage. Bear in mind that some policies exclude UAVs altogether. As far as any self-inflicted damage, any homeowners or renter’s insurance protection probably doesn’t extend to your own property. Think of your vehicle. If you get into an accident and only have liability insurance, the other guy is covered. You are not.
Using drones in your business is another type of insurance altogether. Whether you are spot checking the north 40, getting some great camera shots for a film or video, or anything where you are making money using a drone, you probably need a business liability policy. Using the car analogy again, your personal auto coverage would not cover you if you were using your vehicle for business.
Don’t risk a liability claim because you thought you were covered. Check with your insurance professional to find out if you are already covered for any drone-related eventuality or if you need to boost your protection.