Send the insurance exhibit before signing. Review requested limits, aviation liability, endorsements and certificates against the actual policy, with legal obligations reviewed separately by counsel.
Commercial drone insurance requirements are typically established by:
These requirements are designed to protect the hiring party, not the drone operator.
Insurance policies are structured to respond to contractual obligations, not just operational risk. In practice:
Insurance programs are evaluated in the context of contractual responsibility, not FAA authorization alone.
While requirements vary, many commercial contracts require:
Certificates of insurance are the primary mechanism used to verify compliance.
Common COI requirements include:
Certificates alone do not change coverage. Endorsements must be issued on the policy when required.
Failure to provide compliant COIs or endorsements is a common reason drone operators are denied approval or delayed on projects.
Contract requirements do not:
Insurance programs must be structured carefully to align contractual requirements with actual policy terms.
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Commercial drone insurance contract requirements apply to:
Any organization using drones in a commercial or professional capacity should expect contract-driven insurance requirements
Claims handling often includes review of both insurance policies and underlying contracts.
Review your annual drone insurance program against client requirements before work begins. We help identify questions about limits, endorsements and documentation. An insurer may decline a requested provision, and insurance does not cover every contractual obligation.
