What Is Drone Photography Insurance?
Drone photography insurance is a type of business insurance made to help protect businesses who use drones for commercial purposes. It’s also known as drone insurance or unmanned aircraft insurance.
Drone insurance coverage can help protect businesses from a variety of risks when using an unmanned aircraft, including bodily injury and property damage.
It’s important to remember that drone insurance doesn’t protect your business from every kind of claim. Your business likely needs other types of insurance to help protect it from risks that commonly come up during normal operation.
Why Do You Need Insurance for Your Drone?
Business owners aren't required by law to carry drone insurance, but without coverage, you'll have to pay out of pocket for claims. If your drone crashes and suffers significant physical damage, insurance coverage can help pay to repair it.
Other types of claims can be so costly that they shut your business down. That’s why it’s smart to get insurance that helps protect your business' property and equipment, while also helping to cover liability claims.
Getting the right type of insurance is essential to your success. Our specialists can work with you to understand the unique risks your business faces and help determine the coverage you need.
Who Needs Drone Photography Insurance?
You can benefit from drone insurance if your business uses an unmanned aircraft to take photos or videos. Some popular industries that use drones include:
How Much Does Drone Liability Insurance Cost?
Drone liability insurance costs vary. On average, The Hartford’s small business customers pay $1,687 a year, or about $141 a month, for a Business Owner's Policy (BOP).** A BOP can help protect your drone and help cover liability claims that come up while flying. But your business likely needs other types of coverage to have more protection against various risks.
Because your business has unique needs, and insurance companies use different factors to determine costs, your price for business insurance may be different than the average.
Get a quote to find out what coverage you need and what drone insurance costs your business.
Get a Certificate of Insurance When You Need It
With The Hartford, you can request a certificate of insurance (COI) online any time – day or night.
Commercial Auto Insurance
“Our real estate company has a drone operator who’s amazing at taking aerial photos. On his way to film a new property, he lost control of his truck, spun out and crashed into another car.”
Commercial auto insurance can help cover claims of bodily injury or property damage if your business-owned vehicle is involved in an accident.
Commercial Property Insurance
“I was recording a graduation and accidentally flew my drone into a tree. It was so damaged that I couldn't use it for the rest of the ceremony.”
Commercial property insurance helps protect the owned or rented building, tools, equipment and inventory you use to operate your business. It can help cover repairs or replacement costs.
General Liability Insurance
“One of the guests tripped over our equipment at a banquet. She had to go to the hospital to have her elbow looked at and sued our business for her medical costs.”
General liability insurance can help cover claims that your business caused bodily injury or property damage to others. This can include drone liability coverage.
Business Income Insurance
“Someone broke into my studio and stole all my cameras and drones. I had to cancel my next event, because I didn't have the equipment to take photos.”
Business income insurance helps replace your lost income if you can't operate because of a covered property loss. You can use this benefit to help pay operating expenses, like payroll or bills.
Workers' Compensation Insurance
“Our project manager operates a drone to record our big construction projects. While filming a new building, he slipped and fell. The drone was fine, but his arm was not. He was in a cast for a while and needed a couple months off to recover.”
Workers' compensation insurance gives your employees benefits if they have a work-related injury or illness. It can help cover their medical bills, ongoing care costs or replace their lost wages if they can't work.
Professional Liability Insurance
“We ordered all the materials for a client’s new roof according to measurements we estimated from our drone footage, but they ended up being off. The homeowner sued us, hired a new company to do the work and refused to pay for what we’d done so far.”
Professional liability insurance helps protect your business from claims that it made a mistake in the professional services given.
Elevate Your Protection With Drone Insurance
Drones can help take your business to new levels. Stay successful with the coverage your business needs.
More Answers to Frequently Asked Business Insurance Questions
Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.