Commercial Drone Insurance

Fully compliant with regulation EC 785/2004
Commercial Drone Insurance
  • Up to £100,000 cover per drone
  • Worldwide Territories (excluding USA and sanctioned countries)
  • Up to £100m Public Liability available
Key Policy Features
  • Commercial/Business use
  • Up to £100,000 cover per drone
  • Cover up to 10 drones
  • Up to £100m Public Liability available
  • Up to 500 hours flying time per drone
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Eversure Insurance is a Member of the British Insurance Brokers' Association

We’ve compiled answers to the most frequently asked questions about commercial drone insurance. If you have a query that isn’t covered here, please call us on 01483 347333.

  1. What does UAS or UAV stand for?
    An unmanned aerial vehicle (UAV), commonly known as a drone, is an aircraft without a human pilot aboard. UAVs are a component of an unmanned aircraft system (UAS), which includes a UAV, a ground-based controller, and a system of communications between the two.

  2. Can you cover me if I haven’t successfully completed a UAS training course/school/academy?
    Yes, UAS operators must either have 10 hours UAS flying experience and/or commenced their UAS training course (including manufacturer’s training course)/school/academy and are flying the UAS as part of the course requirements, whilst under instruction by the official course trainers/instructor at all times (and subject to the minimum deductible)

  3. Can you provide cover when I use the drone abroad?
    Yes. Our policy provides worldwide cover as standard (subject to certain excluded territories)

  4. Are there countries where you don’t cover me to fly my UAS?
    Yes, this policy does not cover any flight over or within the following territories unless the insurer has so agreed prior to the commencement of any such flight:
    • Algeria
    • Burundi
    • Cameroon
    • Central African Republic
    • Democratic Republic of Congo
    • Ethiopia
    • Kenya
    • Mali
    • Mauritania
    • Nigeria
    • Somalia
    • The Republic of Sudan
    • South Sudan
    • Colombia
    • Peru
    • Afghanistan
    • North Korea
    • Pakistan
    • Georgia
    • Ukraine
    • Russia
    • Iran
    • Iraq
    • Lebanon
    • Libya
    • Egypt
    • Syria
    • Yemen
    • USA and protectorates

  5. Is there a limit to how much I can fly my UAS?
    Yes, no single UAS will exceed 500 hours flying time during any one twelve-month period.

  6. Do you cover the UAS when it is in flight?
    Yes, we cover the drone whilst it is in flight.

  7. Can you cover more than one UAS on one policy?
    Yes, our policy can cover a fleet of up to 10 units.

  8. Can I make changes to my policy?
    Yes, just let us know what you need to change and we will amend your policy.

  9. Is the UAS covered whilst in a vehicle?
    Yes, so long as there is evidence of violent or forcible entry and it was kept out of sight in locked boot, trailer, roof box or locked compartment of a motor vehicle and all security measures on the motor vehicle, trailer or roof box are in force at the time of the theft or attempted theft.

  10. Who are CAA and what do they do?
    CAA stands for the Civil Aviation Authority. The CAA’s primary aim is to enable the full and safe integration of all UAS operations into the UK’s total aviation system. A permission from the CAA is required to be held if you wish to conduct a commercial operation with your aircraft (iaw ANO 2016 article 94[5]), or if you wish to fly your aircraft:
    • within 150m of either a congested area or an organised open-air crowd or more than 1000 persons (iaw ANO2016 article 95), and/or
    • within 50m of people or properties/objects that are not under your control (iaw ANO2016 article 95)

Key Policy Exclusions (see Policy Wording for all exclusions)

Exclusions relating to Commercial Drone Insurance

  • Loss of or damage to property owned, rented, leased or occupied by the insured or any servant of the insured.
  • Bodily injury or property damage sustained by any of your directors, employees or partners in your business whilst acting in the course of their employment or duties for you.
  • Claims arising from the insured failing to take all reasonable care/measures to protect the UAS and to maintain/operate it in good and proper condition in accordance with the relevant manufacturers’ guidelines.
  • This policy does not cover any flight over or within sanctioned territories unless the insurer has so agreed prior to the commencement of any such flight. Please see our FAQs or policy document for a list of geographical restrictions.
  • Any UAS which is not in use as part of the activities covered. Including at air shows or participating in air racing events/meets.
  • UAS operators who have less than 10 hours’ UAS flight time, have not successfully completed a UAS training course/school/academy, and/or are not in the process of commencing their UAS training course/school/academy, whilst under instruction by the official course trainers.

With a specialist drone insurance policy from Eversure, you can take off safe in the knowledge your business is covered in the event of an accident. We provide commercial drone insurance for CAA qualified operators with Permission for Commercial Operations (PfCO).

Drone insurance – also frequently known as UAS (unmanned aircraft systems), UAV (unmanned aerial vehicles) and RPAS (remotely piloted aircraft systems) insurance – is a legal requirement if you’re flying for commercial reasons.

Whether you use your drone for making a film, conducting a survey, or spraying crops, rest assured that we’ll help you find the insurance that’s right for your business. Our Specialist commercial drone panel will offer flexible limits of cover, including: up to £100m Public Liability, up to £100k per UAS, and a multi-drone option to cover up to a fleet of 10.

The Civil Aviation Authority and EC 785/2004

The commercial use of UAS has become increasingly commonplace in recent years, as businesses look to harness drone technology to save time, reduce risk and access areas that were previously off-limits. However, this growing trend has also been accompanied by the introduction of important regulation aimed at protecting operators and third parties.

The Civil Aviation Authority (CAA) stipulates that if you use your drone for commercial purposes, it is a legal requirement to have public liability cover in place. Under EU regulation EC 785/2004, UAS insurance should also include cover for acts of war, terrorism, hijacking, acts of sabotage, unlawful seizure of aircraft and civil commotion. All of our policies provide the necessary coverage to comply with EC 785/2004 standards.

Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to call us during normal office hours or contact us by email. We will endeavour to respond to any queries within 24 business hours.

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Eversure Insurance is a Member of the British Insurance Brokers' Association