The Growing Importance of Drone Insurance for Commercial and Recreational Use



In recent years, drones have become increasingly popular for both commercial and recreational use. From aerial photography to package delivery, these unmanned aerial vehicles (UAVs) have revolutionized various industries. However, with this rise in popularity comes a new pressing need for insurance coverage. In this article, we will explore the growing importance of drone insurance and why it is crucial for both commercial and recreational drone use.

Commercial Drone

Commercial drone use has increased drastically in recent years, with companies utilizing drone technology for a wide range of purposes. For instance, drones are used in agriculture, construction, real estate, and even for inspecting infrastructure such as bridges and power lines. These commercial drones are being used for their cost effectiveness and efficiency compared to traditional methods. The Federal Aviation Administration (FAA) estimates that there will be over 7 million drones in the U.S. by 2020, and the commercial drone market is expected to reach $13 billion by 2025.

With the increase in commercial drone use, comes potential risks and liabilities. Accidents can happen, and these incidents can result in property damage, bodily injury, or even death. This is where drone insurance comes in. Traditional insurance policies such as homeowners or general liability insurance do not cover UAVs, leaving drone owners exposed to costly risks. This has created a demand for specialized drone insurance coverage.

Drone Insurance

Drone insurance provides coverage for the unique risks involved with operating a UAV. These insurance policies offer coverage for third-party liabilities, physical damage, theft, and more. For instance, if a commercial drone accidentally crashes into a building or injures someone, the insurance will cover the damages. Without insurance, business owners would have to pay for these damages out of pocket, which could be financially devastating.

Moreover, many commercial drone operations require proof of insurance before they can begin. Companies that hire drone pilots to collect data or for other services often request proof of insurance before hiring them. This is to ensure that they are protected in case of any accidents or damages caused by the drone. Having drone insurance can increase the chances of a business winning contracts as it adds an additional layer of credibility and professionalism.

In addition to commercial drone use, recreational drone use has also seen a significant increase in recent years. More and more people are purchasing drones for personal use, whether it be for taking breathtaking aerial photographs or for entertainment purposes. While recreational drone use may seem less risky compared to commercial use, accidents can still happen.


One of the most significant risks for recreational drone use is the potential for damage to other people’s property. If a drone crashes into someone’s home or car, the owner may be held liable for the damages. This is where drone insurance comes in. Personal or recreational drone insurance provides coverage for property damage and bodily injury caused by your UAV. Additionally, many drone insurance policies also include coverage for flyaways, which are drones that suddenly lose control and fly out of sight.

Furthermore, as the popularity of recreational drone use continues to rise, so do the regulations. In 2016, the FAA implemented the Small UAS Rule, also known as Part 107, which outlines rules and regulations for commercial drone pilots. In order to comply with the regulations, drone pilots need to have insurance coverage. Without proper insurance, hobbyists may be limited on where they can fly their drones, hindering their ability to enjoy the activity.

Another aspect to consider is the potential theft of a drone. As drones become more advanced and expensive, they become attractive targets for thieves. Drone insurance can provide coverage for theft, giving drone owners peace of mind that their investment is protected.


In conclusion, the growing importance of drone insurance for both commercial and recreational use is evident. It not only protects drone owners from potential liabilities and damages but also provides a significant advantage in the business world. As drone use continues to grow and regulations become more stringent, having proper insurance coverage is essential. Whether you are a business owner utilizing drones for commercial purposes or a hobbyist flying for fun, investing in drone insurance is a smart decision that can save you from significant financial losses in the long run.

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