What Drone Insurance Do I Need?

The insurance you need depends less on the make and model of your drone, and more on how and where you fly it. This guide breaks that decision down by pilot type — find the profile closest to yours, see which cover types apply, and follow the link through to the relevant product for full detail.

Start with how you fly, not what you fly

Two pilots flying an identical drone can have very different insurance needs. A DJI Mavic used purely for weekend photos carries a different risk profile to the same drone used to shoot paid real estate listings every week. Work out which of the profiles below best matches your operation.

The building blocks, explained briefly

Rather than duplicate the detail already covered on each product page, here is a short summary of what each cover type actually does — follow the links for the full picture.

Hull cover

Protects the airframe itself against crashes, flyaways and hard landings. This is usually the starting point for any drone policy — see drone hull insurance.

Liability and public liability

Covers injury or property damage your drone causes to someone else. This is arguably the most important cover for anyone flying near people, roads, or buildings — see drone liability insurance and public liability insurance.

Theft

Covers loss of the drone or equipment through theft — from a vehicle, a job site, or storage. See drone theft insurance.

Payload and equipment

Covers cameras, sensors, spray systems and other mounted equipment — often worth more than the airframe itself. See payload insurance and equipment insurance.

Fleet insurance

For operators running multiple aircraft, a fleet policy consolidates cover across your whole operation rather than insuring each drone individually.