The term “Drone” is actually wrong! We should be calling these “Unmanned Vehicle Systems” (UAS). Are they for commercial use or hobby use? Is there protection found in standard coverage forms? What happens if insured doesn’t have FAA approval? Everyone from personal lines producers to commercial lines producers will benefit from this class.
We will cover federal and state regulations. Some could put your insured out of business- or in jail. What will happen if the insured unknowingly flies their “hobby” UAS for commercial purposes? Is there coverage under a standard Homeowners policy? Where is coverage available for commercial operations? Many answers to these questions will be determined in our courts, and maybe not for years to come. So, off we go into the wild blue yonder.
