General Liability Insurance
General liability is the foundation of commercial drone coverage. It protects against third-party claims of bodily injury or property damage arising from your UAS operations — the policy nearly every client contract requires.
General Liability for Drone Operators
A commercial drone operation puts an aircraft over job sites, property, and people. If a drone causes injury or damages property — a flyaway into a vehicle, a hard landing near a bystander, damage to a structure during an inspection — the operator is liable. General liability is the coverage that responds, and it is the policy your clients will require before they let you fly.
What GL Covers
- Third-party bodily injury: Injuries to people who are not your employees
- Property damage: Damage your operation causes to others' property
- Premises and operations: Claims arising from your work at a client's site
- Personal and advertising injury: Libel, slander, and certain advertising claims
- Non-owned aircraft: Drones you rent or operate but don't own, when endorsed
Why Standard Policies Don't Apply
Most general business and homeowners policies specifically exclude aircraft — and the FAA classifies a drone as an aircraft. Hobby policies won't respond to commercial work. Commercial UAS liability must be placed through specialty aviation and drone markets that understand Part 107 operations. That is where we work.
Client Contracts and Certificates
Commercial clients — utilities, developers, agencies, and enterprises — almost always require proof of general liability, often $1M or more, with the client named as additional insured. We issue certificates and additional insured endorsements same-day so you don't lose a job waiting on paperwork.
What's Covered
Frequently Asked Questions
$1M per occurrence is a common baseline, but utilities, government agencies, and large enterprises frequently require $2M–$5M, often with them named as additional insured. We structure limits to match the contracts you're bidding.
No. Standard business and homeowners policies exclude aircraft, and the FAA classifies drones as aircraft. Commercial UAS operations require specialty drone liability placed through aviation markets — which is exactly what we do.