It seems like everywhere we go we have a chance to hear the sound of a UAV, also known as a drone, commonly sounding like a disturbed hornets’ nest. Drones are fun to fly for both kids and adults. They are seemingly harmless besides the risk of it becoming non-responsive due to other remote signals, the battery dying and falling out of the sky, or the control operator simply being inexperienced and crashing the drone into a parked vehicle. Many, if not most, drone operators have experienced a drone crash or close call while learning how to pilot the fun UAV. While our first concern is typically, “is my drone okay?” we should be asking ourselves the question of “What happens if I crash this into someone’s house or vehicle?”
The good news is that if you’re using your drone purely for recreational purposes and your drone is a hobby-grade drone, your home, condo or renters insurance policy likely covers you for liability from most drone usage. Now, if you’re using your drone for commercial purposes, you will absolutely need a separate insurance policy to cover you for liability for your drone. Additionally, commercial drone operators now need to pass a certification process to operate and be a commercial drone pilot.
If you’re using your drone for commercial purposes, ask your agent about a commercial general liability (CGL) insurance policy that includes drone usage.
If you’re a recreational drone pilot, talk to your local insurance agent to verify coverage before you have a claim. The best way to avoid a claim is simply prevention. Follow these tips to avoid a drone insurance claim:
- Always fly your drone in an open space away from trees, power lines and other obstructions.
- Be sure to follow FAA requirements and register your drone for flying.
- Do not take your drone to restricted areas such as national parks
- Do not harass wildlife or attempt to view wildlife up-close with your drone
- Read your manual to ensure you’re familiar with the sounds and features that your drone has.
We want you to have fun with your drone, but also be sure you’re protected in the event you have a claim involving your drone usage. Call an agent in our office to discuss your plans before you experience a claim.
It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.