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The Facts About Drones and Insurance

Mon, May 13, 2019 at 9:00AM

The Facts About Drones and Insurance

It may seem like you’re hearing more about drones today than ever before, and that’s partly true. While drones have recently been in the news for various reasons, the fact is that this technology isn’t going away anytime soon. More than a mere hobby, the benefits of drones are being found across a variety of interests and industries.

Still, there are risk factors to be aware of when it comes to drone usage. Read on to discover important considerations when it comes to drones, and what you can do to protect yourself and your loved ones with this and other emerging tech trends.

Drone Use is More Popular than Ever…

These days, drones can be used for a wide variety of purposes. Many professionals are finding the value of including drones in their daily operations. For instance, REALTORs® often employ drones to showcase perks and features of the properties they’re selling. These amenities are often not otherwise visible from the street.

In addition, both personal and professional use of and interest in drones continues to skyrocket. While all drones must be registered (according to 2015 FAA guidelines), there currently is no requirement to insure these personal aircraft.  Many hobbyists see this as a major benefit.

…But You Might Not Be Covered

Along with the perks of drone usage, however, come some drawbacks. Most notably is the fact that drones are excluded from most general liability insurance policies. That means, without proper planning, you could face complications if and when you use drones for personal or professional purposes. Should your drone (even accidentally) be involved in the injury or a person or damage/destruction of property, you could be faced with fines and other unsavory scenarios.

For example, if your drone strikes a power line, that could cause a widespread blackout. Out of control drones that crash might result in personal injury to people and pets on the ground. Drone crashes could also damage cars, homes, and other property.  

Rather than downplaying the many benefits of drone usage in both personal and professional endeavors, it’s important to continually protect yourself and your business from potential liability claims and even lawsuits. One great way to achieve that goal is by partnering with an insurance firm with a proven track record of success. This way, you’ll reap the rewards of involvement in emerging technology, while at the same time protecting your interests and property.

Drone Insurance is a Reality…

As mentioned, not all general liability insurance policies cover drone usage and potential accidents. It’s important to speak with a trusted and reputable agent to discuss the many insurance options available to you.

Along with the potential for personal injury and property damage, you should know and understand the other risks of drone usage, including claims of invasion of privacy, potential required payment of medical expenses, and similar.

You should also discuss with a professional insurance agent the extent of your liability insurance as it pertains to drones, exclusions and limitations, and other important considerations. A highly-skilled and qualified agent can work with you to create a personalized insurance plan that protects you, your loved ones, and your property from any number of potential risks.

…and a Versatile Safeguard

At the same time, and as mentioned, it’s wise to keep in mind the many benefits of drone usage. That includes safe inspection of home maintenance and improvement projects such as roof repair, tree care, and more. Many commercial and industrial outlets are currently using drones to perform tasks that would otherwise be too dangerous for workers to be involved in. Then there are the many personal and professional uses, including real estate, professional photography/videography, storm chasing, and much more.

Rather than be hesitant to embrace new and emerging technology such as drones, it’s wise to be aware of the potential setbacks, and take steps to protect your property from any number of risky situations. That process begins by speaking with a dependable insurance agent who can provide you with valuable options tailored to your specific desires and requirements.

Since 2002, we’ve exceeded the expectations of countless residents and business owners with the versatile insurance coverage we’re able to provide. That includes business and commercial insurance, homeowners, automobile, risk management, and more. Contact us today to discover how simple and affordable it is to protect yourself and your property in all aspects of both your personal and professional life.


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