Minnesota Unmanned Aircraft Insurance

First of all, do you even need drone insurance?

If you want to be insured, your homeowner’s insurance likely does NOT cover use of your drone, even if you’re just operating recreationally in your own backyard.

Many businesses now use unmanned aircraft (drones) to perform services. From engineers surveying land to retail businesses testing drone use for delivering products.

Consider these examples of the risks involved with using drones - and how The Hartford's property and liability coverage for unmanned aircraft can help protect your business.

If you’re using a drone in your business – or are considering it – you need insurance coverage that helps protect your business if:

  • The drone is damaged
  • The drone causes injury or property damage

THE RISK: PROPERTY DAMAGE

While a realtor is using a drone to shoot aerial views of properties he has for sale, a gust of wind carries the drone into a nearby tree, damaging it.

THE SOLUTION: OUR PROPERTY COVERAGE

The Hartford’s unmanned aircraft property coverage can help repair or replace your drone damaged by a covered cause of loss. This valuable protection covers you up to the policy's business personal property limit.1

THE RISK: LIABILITY

A photographer, using a drone to shoot overhead photos of a wedding, loses control of the drone. It hits a wedding guest, causing injury to the guest.

THE SOLUTION: OUR LIABILITY COVERAGE

The Hartford’s unmanned aircraft liability coverage can help pay for bodily injury, property damage and personal injury expenses resulting from the operation of your drone – up to the policy’s business liability limit.

GREAT COVERAGE AND CONVENIENCE, TOO

Insurance Brokers is a leader in small business insurance using companies like The Hartford, one of the first insurance companies to offer property coverage for drones. Both property and liability coverage's are easily added to our Spectrum® Business Owner’s Policy. All with the convenience of one policy and one bill.

Insurance Brokers of MN - Your Drone Insurance Expert

HOW MUCH DOES DRONE INSURANCE COST?

Drone insurance policies are usually broken up into two parts:

  1. Liability (damage and claims to third parties)

  2. Hull damage (damage related to your UAV)

    A policy covering liability up to $1 million can run as little as $600-$1000 a year (depending on volume, experience, and background).

    Please note that these are general numbers from our research. You will need a unique quote from an agent at Insurance Brokers of MN  to know exactly how much you will be covered and what it will cost.

    Each company structures their policies a little differently. Some include hull insurance, others do not.

    Here are a few things that we will need to know for us to consider when putting together your application for the underwriter:

  • Have you logged at least 50-100 hours of flight time?

  • Do you keep a maintenance log?

  • Are you an FAA-licensed drone pilot?

  • Do you own vs. lease your equipment?

  • What do your website / marketing materials look like?

  • Are you able to automatically record your flight log and data?

  • Are you flying over water, or operating indoors?

    Also, have you completed some kind of drone pilot training?

     

     

    POTENTIAL BUSINESS THAT COULD USE DRONES

  • Fire and Rescue

  • Cities & municipalities

  • Agriculture business

  • Farming

  • Photographer

  • Construction

  • Movies and Videography

  • News Gathering

  • Resorts

  • Surveyors

  • Insurance

  • Real Estate

     

     

    Note: Live in the U.S. and need to get certified? Check out our drone certification guide to learn more about what’s required. We also have a Drone Pilot Ground School training course to help you prepare for your written test.

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