2017 DJI Inspire 2—S/N 0DDX091356F9—$3,000 (insured value)
2017 DJI Zenmuse X5S—S/N 0DDP4987321—$1,899 (insured value)
2017 DJI Zenmuse X5R—S/N 0DDF2345697—$3,199 (insured value)
Ground equipment. Ground equipment such as dedicated ground stations,
laptops, tablets, cases, radios, and other items associated with an insured
aircraft can be added to insurance policies. Similar rates and deductibles
to the hull and payload coverage should apply to the ground equipment.
There are a few types of non-owned coverage that can be added to a UAS
insurance policy. Non-owned coverage is crucial for companies that fly
UAS or payloads that are not owned by the policyholder.
The first is “non-owned UAS liability coverage.” This is designed for a
business that operates UAVs that are not owned, or leased for a significant
amount of time, by the insured business. Non-owned UAS liability coverage
will protect the business from any claims of property damage or bodily
injury that may arise from its use of a UAS you do not own (but not physical
damage to the non-owned UAV itself). If non-owned UAS liability coverage
is added to a policy, it typically follows the liability limit of the owned aircraft.
If your business is ever asked to operate a UAS that is owned by someone
else, non-owned liability coverage is something to consider.
A second non-owned UAS coverage to consider is “non-owned UAS
hull coverage.” This coverage, just like the “owned” hull coverage, is
coverage for physical damage to the non-owned UAS operated by the
named insured, who generally selects a limit for this coverage. So if you
generally operate a 2017 DJI Inspire 2 equipped with a DJI Zenmuse X5S
camera that you do not own, you should consider adding non-owned hull
coverage in the amount of $4,899 ($3,000 for the Inspire 2 and $1,899
for the DJI Zenmuse X5S).
A third non-owned coverage to consider is non-owned payload
coverage. This coverage works in a similar fashion to the “owned” payload and non-owned hull coverage described above. If you operate a
2016 Freefly Alta that you own and you commonly carry RED cinematic
cameras owned by the production companies that hire you, non-owned
payload coverage is a must (these cameras, equipped with certain lenses,
can sometimes be valued at $100,000!). Likewise, if you perform aerial
inspections using expensive sensors you don’t own, non-owned payload
coverage is, again, crucial. Some insurance companies add this coverage on
a case-by-case basis. In that situation, the insurance company will allow
you to set a coverage limit and add a “blanket” endorsement to the policy.
Personal-injury coverage is a relatively new offering in the UAS insurance
world. This type of coverage is for libel, slander, violation of privacy, and
copyright infringement. The most important portion of this coverage is
the violation-of-privacy language. With the negative portrayal of UAS
in the media and the population’s irrational fear of flying cameras, it is a
good idea to consider this type of coverage.
As we all know, the regulations, technology, and business needs of the
commercial UAS industry are rapidly evolving. As the insurance providers
modify their offerings to keep pace with these changes, keep an eye out
for new types of UAV insurance coverage. Aviation-insurance companies
are not mind readers, so if you have a unique, out-of-the-ordinary use
for your UAS, please inform your aviation-insurance broker. If a coverage
does not exist for your desired use, your insurance carrier may be able to
design, or specifically negotiate, a policy that will fit your needs. K