Does your Company use Drones…Read on.

drone accident

“The Association for Unmanned Vehicle Systems International trade group forecasts drones will produce $82 billion in economic value and create more than 100,000 new jobs in the first 10 years after widespread flights are ultimately approved.

There are now more registered unmanned aircraft in the United States than private and commercial aircraft combined…some 400,000 of these flying devices (oops…unmanned aircraft)”

Typically standard Commercial General Liability Insurance policies and Business owners Policies do not provide any Liability Coverage for “unmanned flying devices” or drones.  If your company uses drones, you will need to purchase a specific policy for Drone Liability Coverage.  SWFL Insurance Agency can provide this coverage…call us at 239-265-9577.

If your company hires or contracts other companies or individuals to conduct activities such as photography using drones, you should ask to be added as an “Additional Named Insured” on this policy and obtain a Certificate of Insurance showing same.  Since this is a new and developing area of insurance, it will be wise to ask for a copy of the policy to review the coverage language.  We can help you review this coverage.

SWFL Insurance Agency   239-265-9577

UPDATE: Drones and the Homeowners Policy


Insurance carriers are now starting to take a position on the “personal” drone and coverage under the Homeowners Policy form HO3.   A quick snapshot looks like this.

  • Ownership of a drone will not adversely affect underwriting of your policy
  • Owners are required by FAA to register the aircraft.  FAA
  • Usage must be for hobby or recreational use only.
  • Homeowners are expected to operate aircraft responsibly and safely.

The drone will be covered for damage by an insured Personal Property named peril subject the applicable deductible.  There is no coverage for Bodily Injury or Property Damage caused by any sort of aircraft, no exception for hobby aircraft.  Personal Injury, such as invading privacy appears to be covered for now.

Consult your own policy for specific language.

Other Drone related articles that may be of interest.  Florida Drone LawSo…You bought a drone.

SWFL Insurance is always available to answer any questions that you may have about your policy.  Please call us at 239-265-9577 for all your insurance needs.