Commercial Drone Insurance: Cost & Quotes

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Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Drones have become a standard tool in many different industries, from construction to film. Despite their relatively small size, though, you still need to be able to cover drone accidents or crashes that could happen.

If you’re looking for UAV insurance for commercial purposes, also named drone business insurance, then, This article will cover the average cost of drone insurance coverage and give you a brief overview of some of the best providers, as well.

Drone Liability Insurance

Although most drones for photographers and videographers are small, they’re designed to fly high. Even a small 5-pound drone can cause a lot of damage if it drops from high enough in the air. We’re talking about broken windshields, head injuries, or traffic accidents. 

Drone liability coverage typically covers the following:

  • Third-party personal injury claims-When your drone hit someone and the person sustains cuts, or any other injuries, liability insurance for drones will provide the money you can use to cover medical expenses
  • Third-party property damage claims-Third parties will file a property damage claim if your drone damages cars, building structures, or any other properties. Drone liability insurance also helps in such a scenario. Specifically, it will refund the owners of the properties your drone damaged 
  • Legal expenses-Drone liability insurance will cover attorney fees, administrative costs, and settlements if third parties take legal recourse upon sustaining personal injuries or property damage due to your drone 

Professional Liability Insurance for Drone Operators 

A claim will be filed because you’re negligent or allegedly negligent while operating a drone, which inflicted economic or financial losses to affected parties.

 Professional liability insurance for drone operators takes care of this peril. It will help reimburse the losses of aggrieved parties.  Moreover, professional liability insurance covers attorney fees, administrative costs, and other legal expenses on your behalf. 

Drone Public Liability Insurance

Drone public liability insurance is designed to cover your business from any legal actions if it is found liable for any commercial mishaps, including property damage or personal injuries due to your commercial drone’s operation.

One Day Drone Liability Insurance

Also called on-demand drone liability coverage, one day drone liability insurance provides 24-hour protection against personal injury liability or property damage liability while operating a drone for recreational purposes or commercial purposes. Policy limits of commercial drone insurance for one day differ from carrier to carrier. Hull insurance can be added as additional protection.

Drone Hull business Insurance 

Drone hull business insurance is the equivalent of physical damage coverage in commercial auto insurance. 

When your drone incurs damage, hull insurance will pay for the repair or replacement of its hull, machinery, or attachments. Labor costs are covered too. 

Drone Damage Insurance

Aside from hull insurance, there’s another drone damage insurance available; equipment in transit insurance. Equipment in transit insurance will take care of costs if your drone sustains damage during a trip. 

Drone Pilot Insurance

Drone pilot insurance is what many would call workers’ compensation insurance for the self-employed. Workers’ compensation insurance will pay for the following  when you sustain a work-related injury or disease:

  • Medical treatment/procedure-Workers’ compensation insurance will pay for surgeries, therapies, and other medical treatments/procedures you need to fully recover from a work-related injury or disease
  • Hospitalization- Coverage applies no matter how long you need to stay and which medical facility you’re staying
  • Medication-Workers’ compensation insurance provides the money you can use to buy the medicines that will aid in the efficient recovery from a work-related injury or disease
  • Rehabilitation-Workers’ compensation insurance will help if you need rehab after sustaining a work-related injury or disease.

 

Drone Loss Insurance

Drone loss insurance is what many usually call drone theft coverage. Theft coverage is already included in drone hull insurance in most cases.

 Nonetheless, there are insurance companies selling this as a stand-alone policy. The job of theft coverage is to cover repair or replacement costs if your drone got lost or sustained damage due to theft. 

On Demand Drone Business Insurance

On demand drone insurance provides coverage for individual flights. This is a great option for pilots who don’t use their drones on a daily basis or only use them for appointments.

The advantage of on-demand coverage is that you can save a lot of money by paying an hourly insurance rate instead of having to pay a set monthly premium. Carriers we recommended for on-demand drone busines insurance are:

  • Thimble (formerly Verifly Insurance)
  • Flock
  • Skywatch

Drone Liability Insurance Cost

It is fairly simple to get cheap drone insurance. That said, here is what you can expect to pay for a standard drone liability insurance and Unmanned Aircraft System, aka UAS insurance coverage.

 The average commercial drone liability insurance cost is $50 per month or $600 per year for a $1,000,000 general liability coverage. Keep in mind that this is just an estimate. 

What Determines Your Drone Insurance Cost?

The cost of your drone business insurance policy is typically determined by:

  • Your business size
  • Your business industry
  • The overall size and value of your drone
  • The type of work you do with your drone
  • The level of experience that you or your employees have as licensed drone pilots may also affect your drone insurance premium costs.
  • The number of claims you’ve made in the past will affect your monthly and annual drone insurance coverage costs.

Compare Commercial Drone Insurance Quotes

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Best Commercial Drone Insurance Companies

CoverWallet 

CoverWallet’s drone insurance policy provides you with liability coverage and drone hull insurance. This company’s drone hull insurance covers your drone and the equipment with it. CoverWallet’s drone liability insurance takes care of your personal injury, property damage, and fire legal liability.

Pros:

  • No hidden charges
  • Compare quotes online for free.
  • Cancel your coverage anytime.

Cons:

  • Doesn’t sell short-term commercial drone insurance.
  • Doesn’t underwrite recreational drone insurance.

Best For: Drone insurance quotes comparison online

Average Cost: $41.66/month

Rating: 5/5

Thimble

What sets Thimble apart from other insurers is that they focus exclusively on providing on-demand drone insurance for individual flights. You’ll be able to fly any drone up to a certain weight limit and receive geolocation-based quotes up to 60 days ahead of your scheduled flight.

Pros:

  • Book insurance for flights up to 60 days ahead of time.
  • Only pay for where you fly (within a 2-mile radius).
  • Fly any drone within your weight limit.
  • Immediate proof of insurance.

Cons:

  • No long-term drone insurance policies.

Average Cost: $10-$15/month (on-demand insurance)

Rating: 5/5

Geico Commercial Drone Insurance

Everybody knows Geico for the little green Gecko promising affordable insurance rates. They are among the top most-affordable commercial drone insurers. It’s easy to sign up for, you can bundle policies, handle all of your claims and view insurance paperwork through Geico’s easy-to-use app.

Pros:

  • Affordable commercial drone insurance.
  • Wide variety of coverages available including drone crash insurance
  • Ability to bundle with other Geico policies.

Cons:

  • No on-demand drone insurance.

Average Cost: $64/month

Rating: 4/5

State Farm

State Farm has been providing everything from auto and home insurance to commercial construction coverage since 1922, making them one of the oldest insurers in the nation. 

Recently, they’ve also developed a reputation for providing reliable drone insurance as well. One of the best things about State Farm is that they have agents located across the nation.

Pros:

  • Offices nationwide.
  • Great customer service.
  • Able to cover a wide variety of commercial or recreational drones.

Cons:

  • They are a bit more costly than a drone-only insurance provider.

Average Cost: $65/month

Rating: 3.8/5

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Progressive Drone Insurance

Although Progressive doesn’t specialize in providing drone insurance, they do offer it. Their commercial drone insurance policies are very similar to their auto policies, and they provide a number of options ranging from drone public liability insurance to crash/hull coverage.

 Overall, Progressive offers fair pricing, and you’ll have the ability to bundle your drone policy with other Progressive policies.

Pros:

  • Wide number of coverage options available.
  • Fair pricing.
  • Bundling available for existing Progressive customers.

Cons:

  • Progressive doesn’t specialize in drone insurance.
  • No on-demand policies are available.

Average Cost: $64/month

Rating: 3.8/5

Allstate

Although you can cover your drone as “personal property” under Allstate, they don’t offer any official commercial drone insurance policies. 

This means that you can purchase liability coverage, property damage, or theft coverage, but you won’t be able to find drone flight insurance or hull coverage.

 If your drone is just sitting in your garage collecting dust or if you don’t use it often, then Allstate will provide minimal coverage. 

Pros:

  • Personal property and liability coverage available.
  • Theft coverage available.

Cons:

  • No drone flight, hull, or crash coverage available.
  • Rather expensive insurance policies.
  • Not designed for drones.

Average Cost: $67/month

Rating: 2.5/5

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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