Compare on-demand drone insurance

Affordable liability coverage for your drone when you need it

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Considering the cost of drones and the damage they could cause in an accident, getting drone insurance is a good idea. But if you only fly a few times a year, you might save money with an on-demand option.

Instead of spending hundreds on a full year of commercial drone insurance, you only pay for coverage when you need it. This gives you a flexible way to insure your drone — short-term coverage for a fraction of the cost. Many apps or websites offer insurance in minutes.

Compare companies that offer on-demand drone insurance

Name Product AM Best financial rating Available states
A+
All 50 states
This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.
Not rated
All 50 states
Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.
Not rated
All 50 states
Your customized business vehicle insurance starts with a quick expert assessment to find the best coverage for your company.
A++
All 50 states
Geico promises low premiums and high limits for your company cars.
A
All 50 states
Reduce the risk of fleet accidents with Liberty Mutual’s driver safety training and monitoring.
A+
All 50 states
Thanks to customizable coverage and speedy claims, this big-name insurer can help protect you, your employees and your assets.
A+
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 43 states.
A
All 50 states
Backed by nearly 100 years in the business and an A+ AM Best rating, Farmers Insurance aims to help you find the coverage you need for your business.

Compare up to 4 providers

How does on-demand drone insurance work?

On-demand drone insurance is just like regular drone insurance, but with more flexibility and less commitment. You can get coverage for as little as an hour or for a full day and can even extend your policy if you’re running out of time.

Once your coverage period is up, you’re free to purchase another policy from any provider the next time you need it, or stick with the same insurer.

Is on-demand drone insurance worth it?

It can be if you’re someone who only uses your drone occasionally. On-demand drone insurance allows you to pick and choose the coverage that suits your situation and flying conditions.

Policies start at around $10 per hour, giving you $1 million in liability protection without the need to pay a deductible before coverage kicks in.

This type of coverage is ideal if you:

  • Only fly a few times a year
  • Fly your drone during certain seasons
  • Need different liability limits depending on the job

What does on-demand drone insurance cover?

Most on-demand drone insurance policies cover damage and injury to third parties. While coverage can vary depending on the provider, on-demand drone insurance often covers:

  • Up to a two-mile flight radius
  • Damage to third-party property
  • Medical costs if you injure a third party
  • Invasion of privacy
  • Drones under 35 pounds
  • Organized drone races
  • Flyaway where you lose control of your drone
  • Autonomous flight below 400 feet

Case study: On-demand drone insurance in action

James is a realtor who uses a handheld camera for interior pictures of client’s homes, but needs a drone for better exterior angles. He often works on expensive houses, so a drone accident could cost thousands of dollars.

Since he only lists about 10 houses per year, he finds on-demand insurance at a reasonable rate. Before he uses his drone at a client’s home, he simply fires up the app, configures his coverage requirements and flight details, then purchases a policy. Coverage costs him less than the price of his lunch and he receives an email with proof of insurance within minutes.

What’s not covered by pay-as-you-go drone insurance?

Just like every other type of insurance, there are usually a few coverage exclusions that you’ll need to watch out for:

  • Flights outside your selected radius
  • Flights outside the US
  • Damage to your drone, equipment or operator
  • Damage when anyone other than the insured pilot is flying the drone
  • Drones over 35 pounds
  • Flights before or after your scheduled coverage time
  • Flights in flight-restriction zones

How do I sign up for instant drone coverage?

  1. Download the app of your preferred provider
  2. Enter your personal information
  3. Add flight details and coverage preferences
  4. Choose if you want coverage now or on a scheduled date
  5. If you’re happy with the price and coverage, purchase the policy
  6. Once you submit the application, you’ll immediately be covered and will receive an email with proof of insurance

How do I file a claim?

File a claim with your on-demand insurer after an incident that may result in a claim or suit. You’ll need to provide:

  • Details of how, when and where the incident occurred
  • The names and addresses of all involved parties and witnesses
  • Details of injury or damage caused
  • Your policy details

Primary drone insurance

Most on-demand drone insurance policies are considered primary policies, which means they pay out first if two separate insurance policies could cover the same claim. For example, if you have drone insurance and crash into someone’s car, your drone policy will act as the primary policy and immediately cover damage to their vehicle up to your coverage limit. Then their car insurance — as secondary insurance — covers any costs over your limit.

Bottom line

Regardless of how you use your drone, accidents can happen. Commercial drone insurance can provide the protection you need. On-demand drone insurance provides coverage only when you need it, and at an affordable price.

Common questions about on-demand drone insurance

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site