Drone Insurance Built for Commercial Operations

Purpose-built coverage for Part 107 operators, BVLOS missions, and advanced commercial UAS programs

Part 107
Compliant Coverage
BVLOS
Coverage Available
Payload
Protection Included
Data
Privacy Coverage

The Drone Insurance Problem

Commercial UAS operations are not hobby drones. Your insurance shouldn't treat them that way.

Generic Aviation Policies Don't Fit UAS

Traditional aviation policies were designed for manned aircraft. They don't understand autonomous operations, ground control stations, data collection, or the specific risk profile of commercial drones. You end up paying for coverage you don't need while missing what you do.

Data & Privacy Liability Overlooked

Your drones collect data. Aerial imagery, thermal scans, LiDAR point clouds, video. That data creates privacy liability, especially over residential areas, critical infrastructure, or when working with sensitive client information. Most drone policies ignore this entirely.

Payload Coverage Gaps

Your camera, LiDAR sensor, or multispectral imaging system might cost more than the drone itself. Standard hull policies may not cover specialized payloads, or they sublimit them to the point of being useless after a loss.

Regulatory Complexity

Part 107, BVLOS waivers, Operations over People, Remote ID. The regulatory landscape is evolving fast. Your insurance needs to keep pace, and most carriers can't because they don't specialize in this space.

How Nacelle Partners Fixes This

UAS-specific coverage that protects your equipment, your data, your clients, and your business.

1

UAS Hull Coverage

All-risk hull coverage for your entire fleet of drones, from small multicopters to fixed-wing VTOL platforms. Covers flyaway, crash, water damage, and component failure. Valued at agreed amount, not depreciated.

2

Third-Party Liability

Bodily injury and property damage liability for drone operations. Covers damage to third-party property, injury to bystanders, and operations near people and structures. Limits sized for your contract requirements.

3

Payload Coverage

Full replacement value coverage for cameras, LiDAR systems, thermal sensors, multispectral imagers, and other specialized payloads. No sublimits that leave you underinsured on the most expensive components.

4

Privacy & Data Liability

Coverage for claims arising from data collection, aerial surveillance allegations, privacy violations, and improper use of collected imagery. Essential for operators working over populated areas or collecting sensitive data.

5

Professional E&O

Errors and omissions coverage for inspection, survey, mapping, and monitoring services. If your deliverable is wrong and a client makes a decision based on your data, E&O coverage protects your business.

6

Cyber for Collected Data

Your drones collect and store massive amounts of data. Cyber coverage protects against data breaches, ransomware attacks on your systems, and liability from compromised client data.

What Your UAS Program Includes

Equipment & Hull

  • All-risk hull coverage (agreed value)
  • Payload and sensor coverage (full replacement)
  • Ground control station and support equipment
  • Transit and storage coverage
  • Spare parts and batteries

Liability & Privacy

  • Third-party bodily injury and property damage
  • Privacy and data collection liability
  • Invasion of privacy defense coverage
  • Cyber liability and data breach response
  • BVLOS and Operations over People coverage

Professional Operations

  • Professional errors & omissions (E&O)
  • Inspection and survey professional liability
  • General liability for office and operations
  • Workers' compensation for pilots and staff
  • Commercial auto for field vehicles

Questions Drone Operators Ask Us

Do you cover BVLOS operations?

Yes. If you hold a BVLOS waiver or are operating under an approved BVLOS program, we can provide coverage. This is a rapidly growing area and we stay current with FAA authorizations.

Is my payload covered separately from the drone?

Yes. Payloads are covered at full replacement value as scheduled items on your policy. Cameras, LiDAR, thermal sensors, and other specialized equipment are each individually listed and covered.

What about Operations over People?

We cover operations over people when conducted in compliance with FAA regulations (Category 1-4 or under waiver). This includes public events, construction sites, and infrastructure inspections.

Do I need separate cyber insurance?

Our UAS program includes cyber coverage tailored to drone operations. This covers data breaches involving collected imagery, client data, and ransomware attacks on your processing and storage systems.

Can you provide COIs for client contracts?

Absolutely. We issue certificates of insurance quickly, typically same-day. Many commercial contracts require specific limits and additional insured status. We handle this routinely.

What if my fleet size changes during the policy?

We can add or remove aircraft mid-term with a simple endorsement. Growing your fleet or swapping out equipment doesn't require a whole new policy. Just let us know and we'll update your schedule.

Ready for drone insurance that actually fits?

See how purpose-built UAS coverage protects your equipment, your data, and your business.

Get your quote to see your specific rates