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Why do drone photographers need business insurance?
Piloting a drone for commercial purposes is risky, which is why it's important to secure the right coverage. If a drone injures someone, damages their property, or infringes on their privacy, you could face an expensive lawsuit. Drone insurance policies help cover legal costs, and can pay for repair or replacement of a unmanned aerial vehicle (UAV) and its accessories.
Get same-day insurance
With Insureon, drone photographers and videographers can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes for drone liability insurance from top-rated providers.
What types of business insurance do drone photographers need?
These insurance policies cover common risks faced by drone pilots.
General liability insurance
A general liability policy covers basic risks of aerial photography, such as a drone crash that hurts someone or damages their property. Bundle it with commercial property damage coverage in a BOP.
BEST FOR
- Bodily injury from drone accidents
- Property damage caused by a drone
- Slander and other advertising injuries
Business owner's policy
A BOP is a cost-effective way for pilots of unmanned aircraft systems (UAS) to buy commercial property insurance and general liability coverage together.
BEST FOR
- Third-party bodily injury
- Third-party property damage
- Physical damage to a drone (hull insurance)
Professional liability insurance
This policy covers legal defense costs if a client sues a drone photographer over the quality of their work. It's sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Lost or low-quality aerial photos
- Accusations of negligence
- Late arrivals or missed events
Workers’ compensation insurance
Most states require workers' comp for aerial photography businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a drone photography business. Most states require this coverage for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Inland marine insurance
This policy protects your drones and other equipment that travels to photo shoots. It covers property losses due to theft, fires, storms, and vandalism.
BEST FOR
- Drones being transported
- Equipment at a photo shoot
- Business property in a storage unit
Looking for different coverage? See more policies.
How much does insurance cost for photographers and videographers?
A drone operator who works independently will pay less for insurance than a larger business.
Factors that affect your premiums include:
- Business operations
- Types of drones and other business property
- Business income and size
- Types of insurance purchased
- Deductibles and other coverage options
How do I get drone photography insurance?
It’s easy to get drone coverage for your photography business if you have your company's information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy policies online and get certificates of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find commercial drone insurance that fits your business, whether you work independently or hire employees.
State insurance requirements
See your state's requirements for photo/video businesses
Choose your state to learn about insurance requirements for photographers and videographers.
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