If you love operating your drone, you might not think about the potential ill effects that it could end up having on yourself or others.
Whether you’re a commercial flier, or you just love to fly your drone recreationally, you might want to look into drone liability insurance for your own protection and wellbeing. You might not be familiar with drone liability insurance, but insuring your drone and yourself can really save you a lot of money and trouble in the long run.
Now, with drone liability insurance not being strictly necessary, you might be thinking that you probably don’t want to be stuck with the extra expense, right? Well, consider rethinking that stance. There are plenty of reasons that insurance for your drone might not be such a bad idea.
For five benefits of drone liability insurance and why it might actually save you time and money to get it, keep reading.
1. If You’re Working on a Project, You Might Need It!
In the United States, you don’t legally need to have any kind of drone liability insurance (at the moment, at least) to operate a recreational or commercial drone. You can generally fly freely without the restriction of insurance burdening your drone flying practice.
There are limitations to this depending on your state, but typically speaking, drone insurance isn’t necessary according to the law. Make sure to check your local laws before operating, though, as laws and regulations can change over time and you don’t want to land yourself in hot water).
That being said, if you intend to use your drone for any kind of video project (or any other project where a drone might be necessary), you may be required by the city or the company to get insurance before you’re able to fill out the required paperwork.
Do you want a film permit to film above your city for a cool shoot? You might need a basic level of liability insurance. Do you want to work with a company on a project? They might ask you to get liability insurance as well. Getting it ahead of time will get this out of the way and free you up for whatever projects that you have in mind.
2. It’s Inexpensive to Get Drone Liability Insurance
If you haven’t looked into insurance for your drone yet, you probably have cost as a complicating factor, right?
Believe it or not, you can get drone liability insurance for pretty cheap, especially if you shop around.
Sometimes your home property insurance will even cover recreational drones (because they are personal property), but it’s best to go out of your way to get extra insurance just in case you cause damage to someone else.
The kind of drone that you operate will partially dictate the cost. A hobbyist drone will cost significantly less to operate than an expensive commercial drone. That said, you’ll also be more likely to potentially cause damage with a commercial drone.
3. You’ll Need it If You Travel
So we’ve already mentioned that in the United States, you don’t need drone liability insurance.
This isn’t true for other countries around the world. If you’re someone who plans to take your drone on some adventures to get to filming, you’re going to need to cover your machine.
One of the coolest things about having a drone is being able to get those amazing aerial views of your travel destinations. If you want to be able to do that freely, you’re going to have to consider looking into liability coverage if you don’t want to face any legal problems.
4. It Protects You from Further Costs
You might be thinking “Well, none of this really matters if I never get into an accident with my drone anyway”.
Technically this is true, but how realistic is that?
Drone related incidents aren’t at all uncommon. If your drone does something serious and causes damage to a person or property, you are then liable for the costs of the damage incurred.
It’s very likely going to be much more expensive than the insurance. Isn’t that what insurance is for anyway?
You wouldn’t (and can’t, legally) drive a car without insurance. Many people wouldn’t operate a seacraft without insurance. With drones, you’re operating a tiny aircraft that’s subject to changes in the wind, rogue birds, and plenty of other complicating factors.
Insurance makes sense for your drone.
5. You Get Peace of Mind
Peace of mind is priceless.
Even if you find drone liability insurance to be a bit costly for your taste, you no longer have to worry about anything happening to your drone or anyone else’s property. You don’t have to worry about being at fault for your drone malfunctioning and causing harm to a person or property, and the financial hit that that event can cause you.
Insurance is only beneficial to you. You never think you need it until it’s too late. Getting it before it’s too late (and ideally never having to use it) is the goal.
You’ll be able to rest easy and operate your drone when you know that you’re covered.
Are You Insured Yet?
Not everyone needs drone liability insurance, but if you operate your drone frequently, or you plan on any travel or large projects, it can only help you in the long run.
Drones are fun little machines, but they’re also powerful aircraft. They’re machines and they can cause serious harm if they’re mishandled. Protect yourself and others by investing in drone liability insurance as soon as possible.
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