Meet Brad. Brad is a commercial photographer who has a lot of clients in the real estate business.
He realized a few months ago that some of his competitors have started using drones to showcase their properties with stunning aerial photos and video.
Brad decided to invest in a top-of-the-line drone, and camera to attach to it.
But what he didn't realize is that his commercial general liability policy specifically excludes aviation risks — meaning any claims arising from his drone usage would not be covered.
What are the implications?
If Brad is using his drone to take photos for his business, and something goes wrong, his current insurance policy won't cover him. That includes any physical damage to the drone and camera, or the legal costs if the drone injures someone or damages their property.
So what's the solution?
Brad has two basic options if he wants to properly protect his business and personal assets.
1. Endorse his current policy. Brad may be able to get the aviation exclusion removed for an additioanl premium, although most insurance companies will not remove it.
2. Get a separate UAV policy will cover his drone, attached equipment and its operations.