What insurance for my drone for professional use?
drone construction site, the craze for drones is palpable. This small remote-controlled aircraft has been on the market since 2012 and does not fail to appeal to amateurs and professionals alike. Increasingly used in the agriculture, construction and security industries, civilian drones must adhere to specific rules regarding flight height, weight and permitted overflight areas. The law also specifies that all professional drones must be covered by specific insurance. Update on professional drone insurance.
The different types of drones
First of all, let's see the different types of drones. In France, there are two categories of civilian drones: category A and category B. The first category includes captive drones whose weight does not exceed 150 kg and which are connected to the ground or to a person, but also unmanned drones. -captives whose weight does not exceed 25kg.
The second category joins drones which do not meet the characteristics of category A. These model aircraft cannot be piloted by everyone. To fly category B drones, it is mandatory to have a flight authorization, which is obtained after the presentation of a technical file to the DGAC (Directorate General of Civil Aviation) and after having demonstrated piloting skills. during a demonstration.
Why take out drone insurance?
Individuals are not required to take out drone insurance. However, any professional use of this small remote-controlled or programmed machine must be accompanied by suitable cover. If the law requires drone remote pilots to insure, it is because they are responsible for any damage that may be caused by their model aircraft. Without drone operator liability coverage, you will have to compensate the victims yourself, which can cost a fortune especially if the damage caused is substantial.
This insurance is aimed in particular at photographers, documentary filmmakers, but also construction professionals and farmers.
Insurance for professional drones generally includes aviation liability coverage and professional liability coverage. Aviation civil liability covers bodily injury, material damage and material damage that the drone could cause, while RC Pro covers risks related to the professional activity carried out.
Optionally, you can also take out other guarantees, such as the drone breakage guarantee and the guarantee for on-board equipment such as cameras and sensors. Depending on the type of contract subscribed, the guarantees can only intervene on the ground or also in air evolution. The guarantees can also cover the transported material.
Drone insurance warranty exclusions
However, it is important to note that drone insurance does not cover the case of a remote pilot brought to justice for breach of privacy. If you record a video without the person's consent in a private location and the person sues you, you can be fined 45,000 euros and imprisoned for one year.
What about professional property and casualty insurance?
Professional property and casualty insurance does not cover the damage that the professional drone could cause during its use. This is because drones are governed by specific regulations (the Decree of April 11, 2012 on the use of drones). Always ask your insurer for more details before taking out insurance. He will direct you to the guarantees adapted to your professional activity.
The price of drone insurance
As for the price of drone insurance, it is calculated according to the characteristics of the drone and the type of activity. The number of drones and the number of remote pilots are also taken into account. As an estimate, drone insurance costs around 270 euros (including tax) per year. To get an idea of the price of this insurance, multiply the quotes and compare them. By comparing guarantees and prices, you will be able to play against the competition and take advantage of the best prices!
Other insurance for professional equipment
Construction machinery insurance
Machine breakdown insurance
Computer equipment insurance
Musical instrument insurance
Photographer and videographer equipment insurance
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