Bought a Drone? Here’s Why Insurance Should Be Your Next Step

So you’ve bought a drone, what’s next?

Drone Exposures and Insurance: What You Need to Know

Drones, also known as unmanned aerial vehicles (UAVs), are increasingly used for both recreational and commercial purposes. With their ability to inspect hard-to-reach areas, capture aerial footage, and perform tasks such as crop spraying, drones provide significant benefits. However, they also come with risks.

Common Drone Risks:

• Bodily Injury & Property Damage: Drones can cause harm if they collide with other aircraft or crash into buildings or people on the ground.
• Privacy Concerns: Drones with cameras can inadvertently or intentionally invade personal privacy, leading to legal liabilities.
• Drone Damage: Whether due to accidents or technical failures, drones themselves are prone to damage, making insurance vital.

Insurance for Drone Users: For recreational users, homeowner policies may cover some damages, but exclusions often apply, especially for liability. Commercial operators, on the other hand, need specialized insurance to cover the risks associated with their operations. Comprehensive policies can cover:

• Liability: For injuries or property damage.
• Hull Coverage: To protect the drone itself.
• Invasion of Privacy: Optional coverage for personal injury liabilities.

As drone use grows, insurance becomes critical for mitigating risks. Our agency offers tailored insurance solutions for both recreational and commercial drone users to ensure you’re protected no matter the sky-high adventures you’re pursuing.

To learn more about the insurance products available for farm risk management, reach out to Chelsea Heatherington at Kingsgate Insurance.

Chelsea Heatherington, Farm & Ag Specialist

Call or Text: 515-302-8400

Email: chelsea@kingsgateins.com