Commercial Auto Insurance
Commercial auto covers the vehicles your drone operation uses to transport pilots, aircraft, and equipment to job sites — business use that personal auto policies exclude.
Commercial Auto for Drone Service Businesses
A commercial drone operation is mobile by nature — pilots and crews drive to job sites with aircraft, sensors, and ground equipment in the vehicle. That business use, and the high-value cargo, falls outside a personal auto policy. Commercial auto covers your vehicles, your drivers, and your liability on the road.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your own vehicle from an accident
- Comprehensive: Theft, fire, vandalism, and weather damage
- Hired & non-owned auto (HNOA): Employee personal vehicles and rentals used for work
- Uninsured / underinsured motorist: Protection when the other driver isn't insured
Protecting Gear in Transit
Commercial auto covers the vehicle and its liability — but the drones and payloads inside are best protected under your hull and equipment coverage, which follows the gear in transit. We coordinate both so a single accident doesn't leave a gap between the vehicle and its valuable cargo.
Don't Rely on Personal Auto
If pilots use their own vehicles to reach job sites, hired & non-owned auto coverage is essential — a personal policy won't respond to a business-use claim, leaving the company exposed.
What's Covered
Frequently Asked Questions
Only with the right coverage. Personal auto policies exclude business use, so if pilots drive their own vehicles to jobs, hired & non-owned auto coverage is needed to protect the company from a business-use accident claim.
No. Commercial auto covers the vehicle and its liability, not the aircraft and payloads inside. Those are protected under your hull and equipment coverage, which follows the gear in transit. We coordinate both to avoid gaps.