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Senior Advisor

UAS Insurance Issues

UAS ("drone") insurance is a new field for the insurance industry.  There seem to be three main aspects.

1.  Insurance on the UAS itself, called "hull" insurance.

2.  General liability insurance - covers damage to persons and property, invasion of privacy, trespass and nuisance.

3.  Coverage for owners, operators, manufacturers, suppliers and other in the industry.

Several companies are writing UAS insurance.   Some are aviation based.  They may differentiate between commercial and private operation.  Current farm liability policies may have UAS exclusions.

Anyone wanting to emply a UAS might find it worthwhile to investigate the insurance implications and not expect the industry to be well supported by normal or familiar policies.

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