Coverage · Drone & Aviation Liability
Drone and aviation liability insurance, with hull coverage for the aircraft.
Aviation liability
Aviation liability insurance protects your business against claims of bodily injury or property damage to third parties arising from the ownership, maintenance or operation of aircraft, including unmanned aircraft systems (drones). Coverage typically includes legal defense costs, settlements and judgments. This protection is essential because most commercial general liability policies exclude aircraft-related exposures. For manned aircraft, coverage may also extend to injuries sustained by passengers.
Hull coverage
Hull coverage protects the aircraft itself against physical damage or loss. Policies may cover the aircraft while in flight, on the ground or both, and are often written on an agreed-value basis, meaning the payout for a total loss is established when the policy is issued. For drone operations, coverage can typically be extended to payloads, sensors, cameras and ground control equipment, which often represent a significant portion of the system’s total value.
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Drone & Aviation Liability
What it covers.
While federal regulations do not generally require commercial drone operators to carry insurance, coverage is frequently mandated by contracts, government agencies and property owners where flights take place.
For firearms, tactical and defense businesses, drone and aviation exposures extend beyond flight operations. Manufacturers, integrators and payload developers may also need aviation products liability, which addresses claims arising from components or systems used in aircraft. Properly structuring these coverages ensures your operations, equipment and products are protected without gaps between policies.
Typically covers
- Third-party bodily injury and property damage from flight operations
- Legal defense costs, settlements and judgments
- Physical damage to the aircraft, in flight or on the ground
- Payloads, sensors, cameras and ground control equipment
- Aviation products liability for components and systems
What we check
- Aircraft exclusions on your general liability
- Agreed values for airframes and payloads
- Contract, agency and property owner requirements
- Products liability for parts sold into aircraft
By sector
How it applies to your sector.
Unmanned Systems & Counter-UAS
Flight operations, test sites and fielded systems, plus products liability for airframes and payloads.
Defense & Government Contractors
Agency and prime contracts often set the aviation liability limits for flight work.
Communications & Space
Airborne communications payloads and the systems they integrate with.
Defense Software & Cyber
Autonomy and flight software, where aviation products liability can respond alongside tech E&O.
Common questions
Questions we hear about this coverage.
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
Federal regulations do not generally require it, but contracts, government agencies and the property owners where you fly frequently do.
Usually not. Most commercial general liability policies exclude aircraft, which is why aviation liability is written separately.
Yes. Hull coverage can be extended to payloads, sensors, cameras and ground control equipment, scheduled at agreed values.
Often, yes. Manufacturers, integrators and payload developers may need aviation products liability for claims arising from parts or systems used in aircraft.