Liability
Designed for third-party bodily injury/property damage claims arising from covered operations. Client contracts often specify a minimum liability limit.
Hull / equipment
Coverage for physical damage, loss or theft of insured aircraft/equipment, depending on the actual policy terms and exclusions.
Payload / sensors
High-value cameras, thermal sensors, LiDAR and other payloads may need their own scheduled equipment/hull coverage.
COI + additional insured
A Certificate of Insurance proves current coverage. Some clients also require themselves to be listed as an additional insured.
WHAT SHOULD I INVESTIGATE?
Use the job to determine the question.
1
Occasional small jobsCompare on-demand/hourly coverage with monthly or annual options.
2
Regular commercial workCompare annual/monthly liability and whether you need hull/equipment coverage.
3
Enterprise/client requirementsRead the contract for required liability limit, COI wording and additional-insured requirements before accepting the job.
4
Expensive aircraft or sensorsAsk how hull, payload, deductibles and replacement value work before assuming your equipment is covered.
Current provider example, checked October 2026: SkyWatch currently advertises hourly, monthly and annual commercial drone insurance; its site lists liability options, COI/additional-insured tools and optional hull/equipment coverage. Prices and eligibility vary by risk/state—always get your own quote and read the policy.