Looking for Drones Insurance?
Protect your drone business from aircraft damage, liability claims, privacy violations, and equipment loss. Harper provides insurance for aerial photography, inspections, mapping, agriculture, and commercial drone operations, with fast certificates for clients, property owners, and partners.
What is Drones Insurance?
Drones insurance protects commercial UAV operators from risks such as aircraft crashes, third-party injuries, privacy violations, and equipment loss. Coverage typically includes hull coverage for the drone, liability coverage for bodily injury and property damage, and equipment protection for cameras and sensors. While the FAA does not mandate insurance, clients and property owners often require proof before authorizing drone operations.
Hull Coverage
Protects drones from damage caused by crashes, malfunctions, flyaways, or environmental factors during covered operations.
Liability Protection
Covers third-party bodily injury, property damage, and privacy violation claims arising from drone flights and data collection.
Equipment Coverage
Protects cameras, sensors, batteries, controllers, and related drone equipment from damage, theft, or loss.
Certificates
Fast proof of insurance for clients, property owners, municipalities, and commercial contracts.
Who Needs Drones Insurance?
- Aerial photography and videography providers : Businesses requiring specialized insurance coverage
- Inspection and surveying drone operators : Businesses requiring specialized insurance coverage
- Mapping and GIS professionals : Businesses requiring specialized insurance coverage
- Agricultural drone service providers : Businesses requiring specialized insurance coverage
Why Harper?
Commercial Drone & UAV Expertise
Drone operations involve aviation exposure, privacy considerations, and evolving regulations. Harper understands the risks associated with UAV use, airspace compliance, data capture, and equipment value, and offers coverage designed for commercial drone operators.
Fast Proof for Clients & Property Access
Clients and property owners often require proof of insurance before approving drone work. Harper delivers accurate certificates quickly to keep projects moving.
Clear, Practical Guidance
We explain hull coverage, liability protection, and operational considerations in clear terms so you understand how insurance applies to your flights and services.
Coverage Matched to Your Operations
Whether you perform aerial photography, inspections, mapping, agriculture spraying, or specialty UAV services, Harper helps align coverage with how and where you fly.
Frequently Asked Questions
What insurance do drone operators need?
Most commercial drone operators need hull coverage for aircraft damage, liability insurance for third-party injuries or property damage, and equipment coverage for cameras and sensors. Cyber liability may also apply if you collect or store client data.
Is drone insurance required?
The FAA does not require insurance, but commercial clients, property owners, municipalities, and project contracts often require liability coverage before authorizing operations.
How much does drone insurance cost?
Costs depend on aircraft value and operations. Hobby or limited-use coverage typically starts at around $500 annually, while commercial operators typically pay $1,500–$5,000 or more, depending on equipment and flight scope.
Does insurance cover flyaways or signal loss?
Hull coverage may protect drones lost due to flyaways, signal interference, or environmental conditions when proper flight protocols were followed.
Does insurance cover privacy or surveillance claims?
Liability coverage may include claims arising from alleged privacy violations related to aerial photography or recordings, subject to policy terms.
Can I add clients or property owners as additional insureds?
Yes. Many commercial contracts require adding clients or property owners as additional insureds. Harper handles certificates and endorsements quickly.