Do I Need Drone Insurance?

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At best, drone insurance in Ontario can be confusing and the costs can vary widely. What type of insurance coverage do you need…liability, operator, lost equipment insurance? Do you need insurance for recreational use or commercial use?

Depending on your circumstances there are a number of areas that our Huronia Insurance brokers can help you to consider. Will you be flying your it at night, indoors, beyond visual line of sight, or in restricted areas? Have you taken any formal training? Have you completed ground school or flight theory tests?

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Drone insurance claims are still relatively rare, and legislation is still in its infancy. So, if you use a drone for business purposes, you’ll want to make sure you have an insurance provider that fully understands all the coverage’s available.

The types of commercial insurance for drones that are available may include (but are not limited to):

  • In-flight insurance
  • Aviation liability insurance
  • Operator insurance
  • Lost or damaged equipment insurance
  • Insurance against invasion of privacy and data protection
  • International or worldwide coverage
  • Insurance for long term or episodic use

Long Term Drone Insurance

If you use your drone regularly for commercial purposes, you may want to consider an annual insurance policy. This will ensure that you have adequate coverage no matter how often you use your it for commercial purposes. Coverage will also include both “in use” and “in transit” claims.

Episodic Insurance

Drones can also fall under the category of “Episodic Insurance,” which simply means your insurance coverage would only be for the “actual” flying time during use. There’s no need to pay for insurance whenever it is not being utilized. In essence, your drone liability insurance can be job specific and only in effect for the time and location that it is in flight. Episodic insurance is a great option for commercial drone operators since you will know the insurance cost up front. It is also very easy to track job expenses that can be billed back to the customer.

What Happens if You Make A Claim?

Even if you have to make a claim, your drone insurance policy will still remain in effect until the policy expiry date. Your policy can also be updated to cover any new replacement equipment. You can even add new drones to your insurance policy at any time during the year.

Check out this link to learn more about Drone Laws in Canada.

Contact Huronia Insurance Group

Based in Barrie Ontario, Huronia Insurance Group has been servicing the business insurance needs of companies across all of Ontario for nearly two and a half decades.

For more information about commercial drone insurance in Ontario, please send us an email or contact our business insurance brokers toll free at 1-866-955-8386.

You can also reach us through our online contact form.

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