Using Drones for Your Business: Benefits and Insurance Considerations
Drones have transformed the way businesses operate across industries. From real estate and construction to agriculture, film production, and logistics, drones provide a cost-effective way to capture data, monitor operations, and gain insights that were once difficult or impossible to obtain. But as with any innovative technology, using drones for business comes with risks — and protecting yourself with the right insurance is essential.
Why Businesses Use Drones
- Aerial Photography & Videography – Real estate agents, marketing firms, and media companies can showcase properties, events, or products from a unique perspective.
- Construction & Site Inspection – Drones allow quick inspections of roofs, towers, and hard-to-reach structures without putting employees at risk.
- Agriculture & Crop Management – Farmers use drones to monitor crop health, irrigation, and soil conditions, increasing efficiency and reducing costs.
- Logistics & Delivery – Some businesses are exploring drones for package delivery or inventory management, providing faster turnaround and better tracking.
- Surveying & Mapping – Drones help surveyors, engineers, and environmental researchers collect high-resolution data quickly and safely.
Risks of Using Drones for Business
While drones offer incredible advantages, they introduce potential liabilities:
- Property Damage – A drone could crash into buildings, vehicles, or other structures.
- Bodily Injury – Accidents can harm bystanders, employees, or contractors.
- Privacy Concerns – Capturing images or video without consent can lead to legal claims.
- Equipment Loss – Drones are expensive; theft, damage, or malfunctions can be costly.
What Type of Insurance Do You Need?
For businesses operating drones commercially, coverage needs to be comprehensive:
- Aviation-Type or “Airplane” Policy
- Unlike standard drone liability, some businesses secure a full aviation-style policy, which covers the drone while it’s in the air.
- This type of policy protects against bodily injury, property damage, and in-flight accidents, offering peace of mind for higher-risk drone operations.
- Hull or Physical Damage Coverage
- Protects the drone itself from crashes, mechanical failure, or weather-related damage.
- Inland Marine Insurance
- Useful for transporting drones and equipment between job sites.
- General Liability Insurance Add-On
- Can provide broader coverage for operations on the ground, but may not cover in-flight incidents.
- Cyber Liability or Data Protection Coverage
- If your drone captures sensitive data, this protects against breaches or data loss.
Partner with Experts
Using a drone for business is a smart move—but only if your coverage is as advanced as your technology. At Bozzuto Group, we specialize in helping businesses secure the right insurance, including aviation-style policies for drones. Whether you’re using drones for inspections, marketing, or logistics, we ensure your business is protected in the air and on the ground.
Contact Bozzuto Group today to learn more about drone insurance solutions tailored for your operations.
