Drone Liability Insurance
Aerial services can take your business to new heights. Protect your photography or videography business from drone-related accidents with FFI’s general drone liability coverage in minutes.
Benefits of Drone Insurance for Photographers and Videographers
Aerial photography and videography work comes with its fair share of surprises. For example, your drone malfunctions and falls onto someone’s car, cracking the windshield and scratching the paint. Drone liability coverage is designed to help you pay for damages in cases like this. Full Frame’s coverage:
- Can pay for qualifying claims up to $2 million per year and $1 million per occurrence
- Built to keep you from paying out-of-pocket for bodily injuries or property damage claims
- Builds customer trust by showing you’re prepared if an accident happens
Drone Accidents Can Cost You. FFI Has Your Back.
You’re careful, but accidents can still happen. Add FFI’s drone liability coverage to your general liability policy so you won’t have to face claims like these alone:
All policies have conditions, limitations, and exclusions. Review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Drone Accidents Can Cost You. FFI Has Your Back.
You’re careful, but accidents can still happen. Add FFI’s drone liability coverage to your general liability policy so you won’t have to face claims like these alone:
- While taking aerial shots for a real estate agent, the wind causes the drone to hit and damage a window — the homeowners hold you responsible for replacing it
- You’re landing your drone after filming, and it hits an extra as they walk by — the actor demands you pay for their stitches
- While filming a video at a city park, your drone clips a topiary tree — the city requires you to pay a property damage fine
- An electrical short mid-flight causes your drone to fall and hit a passing car, leading the car to crash into a curb, and the driver holds you responsible for their injuries and car repairs
- You lose your GPS signal and your drone crashes through someone’s skylight — you’re required to pay for its repair
All policies have conditions, limitations, and exclusions. Review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What Is Drone Liability Insurance & What Does It Cover?
Traditional photographer and videographer liability policies don’t cover accidents involving drones. Drone liability insurance is an endorsement add-on coverage that updates your general liability policy so it can cover incidents involving drones.
Drone liability insurance is designed to act as a financial safety net in the event your aerial drone work causes physical injuries or property damage.
If a client or other party claims your drone/your operation of a drone led to them getting hurt, your drone liability insurance may help pay those medical bills. Similarly, if someone accuses your drone of damaging their property, drone liability insurance may help cover repair costs.
Drone Liability Insurance Explained
Take a closer look at our coverage details and pick the policy that fits your needs!
Is Drone Liability Insurance Required for Drone Photography or Videography Work?
You are not legally required to carry drone liability insurance as a professional photographer or videographer. However, most clients, venues, and other contracts will require you to have liability insurance that covers your drone work.
Who Needs Camera Equipment Insurance?
Short answer? Probably you!
Most photographers and videographers need protection for the gear they use to provide their services. In other words, if you’re a photographer or videographer and you own or rent your gear, you need camera equipment coverage.
If you do any of the following, camera equipment insurance is a must. We offer coverage for:
How Much Does Drone Liability Insurance Cost?
Drone liability insurance is an optional coverage you can add to your general liability policy for $42.92/month.
How Do I Get Drone Liability Insurance?
Drone liability insurance is an add-on coverage to our photographer and videography policies. You can opt in to this coverage when purchasing your insurance by selecting following the prompts. Or, add this coverage to your existing policy anytime, right from your user dashboard.
Either way, to qualify for this coverage, you must have the appropriate license to operate your drones. In the United States, this is an FAA Part 107 Remote Pilot Certificate.
Drone liability insurance is an add-on coverage to our photographer and videography policies. You can opt in to this coverage when purchasing your insurance by selecting following the prompts. Or, add this coverage to your existing policy anytime, right from your user dashboard.
Either way, to qualify for this coverage, you must have the appropriate license to operate your drones. In the United States, this is an FAA Part 107 Remote Pilot Certificate.
Coverage Details
Take a closer look at our coverage details and pick the policy that fits your needs!
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
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$0-$100,000 in Annual Sales +$6.42/month
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$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
Designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment. Your Annual+ policy includes $2,000 per occurrence / $20,000 aggregate coverage, but if you have a lot of expensive gear, you may want higher limits. To add more equipment coverage, review the limits and prices below:
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$5,000 per item/$30,000 aggregate $19.75/month or $237/year
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$10,000 per item/ $60,000 aggregate $37.50/month or $450/year
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$15,000 per item/ $75,000 aggregate $47.33/month or $568/year
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Deductible $250
Note: Equipment insurance can only be added to the Annual Insurance Policy. Equipment and gear that is unattended in a vehicle or trailer is excluded.
Helps pay for the damage or theft of drones you own or rent for your business. You can add drone coverage to your existing camera equipment insurance starting at $25.83/month, with the option for higher limits to cover one drone or a whole fleet. See the limits and prices below:
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$2,000 occurrence / $20,000 aggregate $25.83/month or $310/year
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$5,000 occurrence / $30,000 aggregate $32.08/month or $365/year
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$10,000 occurrence / $60,000 aggregate $63.33/month or $760/year
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$15,000 occurrence / $75,000 aggregate $82.50/month or $990/year
Note: Drone coverage can only be added to the Annual+ Insurance Policy, and requires that you also carry Drone Liability Insurance. Drones left unattended in a vehicle or trailer are excluded.
What's Included?
What You Can Add
Annual Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit Excluded
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
Drone Liability Insurance FAQs for Photographers and Videographers
Is Drone Liability Insurance Required in the U.S.?
In the United States, you need an FAA Part 107 Remote Pilot Certificate to legally fly drones for commercial purposes. However, you are not required to have drone liability insurance to fly.
While it’s not legally required, most clients will require you to have it as part of your contract.
Does Drone Liability Insurance Cover Damage to My Camera?
No. Drone liability coverage only applies to bodily injuries or property damage caused by your drone. You need drone camera equipment insurance for damages to the camera drone itself.
Do I Need Any Other Coverage to Offer Drone Filming Services?
Drone general liability is the primary coverage you need. To insure your drone equipment against damage and theft, you need Drone and Camera Equipment (Inland Marine) Coverage.
Depending on your specific business needs, you may also want:
- “Failure to Deliver” (Professional Liability): For negligence or breach of contract claims
- Data Theft Protection (Cyber Liability): For data breaches or other cybercrime
Get additional information about liability insurance for photographers and videographers.
Chris Van Leeuwen, CIC | VP of Professional Development
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.