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Best commercial drone insurance

Protect your business or hobby tech with drone insurance coverage from these top insurers.

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Fact checked

Drones provide an innovative way to capture your surroundings and can open the door to new business opportunities. But they aren’t cheap and could cause damage or injury if something goes wrong, making drone insurance essential. While your options are more limited than other types of insurance, you can still find affordable policies for anything from worker drones to mini surveillance drones.

To pick the best companies, our editorial team compared rates, amount of coverage, type of coverage and how each company handles claims. We also considered factors such as customer service ratings, quoting process, availability, drones covered and limitations.

Best commercial drone insurance companies

State Farm drone liability insurance

State farm is one of the largest insurance providers in the country and provides coverage for both personal and commercial drone use. It offers affordable pricing on special policies, making it easy to protect your equipment.

Pros

  • Affordable coverage
  • Easy signup
  • Straightforward claims process

Cons

  • Availability and pricing may vary
  • No repairs, only reimbursement
  • Only allows one at-fault claim

DJI Care warranty

If you have a DJI drone, it comes with a standard product warranty that covers repairs and replacements for drones and parts, but you still may need to pay out of pocket for other damage. If you’re looking for more coverage, DJI also offers the Care service plan that provides coverage for accidents and other accidental damage, much like an extended warranty policy.

Pros

  • Directly through manufacturer
  • Fast claims and replacements
  • Renewable and transferrable

Cons

  • May not cover commercial use
  • Doesn’t cover remote, loss or theft
  • Available for some DJI products

Geico drone liability insurance

Best known for its car insurance, Geico also offers coverage to protect your drone. While you won’t be able to get a policy designed specifically for your drone, you can add coverage to your renters or homeowner’s policy for a slightly higher premium.

Pros

  • Bundled with other policies
  • Reputable provider
  • Affordable coverage

Cons

  • No specific drone policy
  • Availability may vary
  • Unclear coverage details

USAA unmanned aircraft insurance

With a reputation for providing coverage to members of the military and their families, this provider can also help cover your drone. It doesn’t offer drone insurance policies, but instead allows you to cover your equipment under your renters or homeowners insurance policy for a few extra dollars a month.

Pros

  • Tailored coverage
  • Bundled with other policies
  • Affordable pricing

Cons

  • Must be associated with the military
  • No specific drone coverage
  • Availability may vary

AIG drone coverage

This multinational insurance provider sells insurance in over 80 countries and has recently begun offering personal and commercial drone coverage. Developed with the help of aerospace industry professionals, AIG drone insurance provides coverage for equipment, operators, liability and more.

Pros

  • Drone-specific insurance
  • Customizable policies
  • Comprehensive coverage

Cons

  • Availability may vary
  • Can’t bundle with personal policies
  • Could be expensive

How to compare the best drone insurance for you

When comparing drone policies, ask your insurer about these factors to help you get the best coverage:

  • What’s covered. Think about what you want covered, including limits, maximums and the parts that are covered.
  • Exclusions. Some providers won’t cover water damage, theft, loss and other situations.
  • Price. The price of coverage varies between providers, so getting multiple quotes will help you find the best price for the coverage you need.
  • Coverage area. Most providers will only cover domestic use unless you ask for international coverage.
  • Deductible. Many personal drone insurance policies have no deductible, but that might not always be the case.
  • Discounts. Some providers offer discounts, like bundling drone insurance with your existing homeowner’s or renter’s insurance policy.
  • Claims process. Find out how to file claims and how you’ll be reimbursed.

What’s the best drone insurance for me?

Finding the right coverage for your industry will vary based on the kind of coverage you need for your drone.

  • Best drone insurance for real estate

If you’re using a drone for real estate-related business, consider commercial drone insurance with liability coverage. It provides coverage if you cause damage or injury and can even protect the pilot on the ground.

AIG might be the best drone insurance for real estate, since coverage is specifically designed for commercial flights and allows you to customize your policy.

  • Best drone insurance for construction

Drones used for construction-related business have an increased risk of being damaged or damaging other property. This type of policy will cover almost any damage to your drone and has high coverage limits for third-party liability damage.

  • Best drone insurance for photographers

Commercial coverage might be necessary for professional photographers and videographers who have expensive equipment. Some clients may require you to have commercial drone insurance for liability coverage.

  • Best drone insurance for hobbyists

If you fly your drone for fun, a personal policy should offer the coverage you need. For example, if you’re a hobby photographer or videographer, personal drone insurance is likely sufficient if you’re not flying in high-risk areas where you could damage property or injure someone.

Personal drone policies offer coverage for accidents and other damage to your drone, making them a great choice if you fly in a safe area away from potential hazards. Personal policies are often much cheaper than commercial drone insurance, since they don’t offer liability coverage. You may even be covered under your homeowner’s or renter’s insurance policy.

Bottom line

Drone insurance can help protect you for both personal and commercial use, covering liability, accidental damage, repairs and more. Get quotes from multiple providers and compare your options to find the drone insurance that meets your needs.

Compare commercial drone insurance

Name Product AM Best financial rating Available states
CoverWallet
Not rated
All 50 states
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
Insurance321 commercial car insurance
Not rated
All 50 states
Connect with a commercial agent who understands your industry and receive a personalized quote in as little as four minutes.
Esurance commercial car insurance
A+
All states except AK, DE, HI, MT, NH, VT, WY
Help yourself to dozens of coverage options and accelerated claims process for business cars, vans or box trucks.
Liberty Mutual commercial car insurance
A
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.
Allstate commercial car insurance
A+
All 50 states
Customized, industry-specific polices like leased car coverage plus quick claims filing.
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