Aviation and Drone Insurance: Covering the Risks of Flying Technology

**Aviation Insurance** is a highly specialized field covering traditional aircraft, but it has expanded significantly to include unmanned aerial vehicles (UAVs) or drones. Whether you own a private plane or use a drone for commercial photography, specialized insurance is necessary to cover the unique risks of flight.

Drone Insurance: A Necessity for Commercial Use

If you use a drone for commercial purposes (e.g., real estate, surveying, cinematography), your general liability and homeowner policies will not cover drone-related claims. **Commercial Drone Insurance** typically comes in two parts:

**Hull Coverage (Physical Damage):** Pays for repair or replacement of the drone and its equipment (cameras, sensors) if it crashes or is stolen.
**Aviation Liability:** The most crucial component. Covers bodily injury or property damage caused by the drone to third parties (e.g., hitting a person or damaging a car).

Traditional Aviation Coverage (Planes)

For piloted aircraft, **Aviation Liability** is mandatory. Policies cover:

Passenger Liability: Protects against claims from injured passengers.
Ground Liability: Damage caused to people or property on the ground.
Hull Coverage: Physical damage to the aircraft itself.

Legal Risk: Given the evolving regulations around UAVs, operating a drone for profit without adequate **Aviation Liability** coverage exposes the operator and business to catastrophic legal risk.

As airspace becomes more crowded, securing the right **Drone Insurance** or aviation policy is essential for legal compliance and financial protection.