Let’s say you own a drone. You’ve got your Part 107 license. Maybe you do a few paid jobs each month, or you’re just getting your commercial drone business off the ground.
But you’re not flying every day. Maybe not even every week.
So do you really need drone insurance?
The short answer? Yes.
And in this article, we’ll explain why, even low-frequency drone operators face real risk, and how the right insurance policy can protect you when it matters most.
The Myth: “I’m Not Flying Enough to Justify Coverage”
We hear this a lot from operators:
- “I’m only doing part-time gigs.”
- “I fly mostly for fun but sometimes get paid.”
- “I’m between jobs right now.”
Here’s the truth:
The risk doesn’t disappear just because you’re not flying often.
In fact, in some ways, flying less increases your risk:
- Rusty skills = higher chance of pilot error
- Infrequent use = potential missed maintenance
- Lack of recent training = higher underwriter concern
Even one flight per month can lead to a crash, an injury, or a lawsuit.
What Could Go Wrong (Even on a “Quick Flight”)?
Let’s say you’ve got a weekend shoot scheduled:
- You’re filming a real estate video
- It’s a calm day, clear skies, wide open area
Then the drone drifts into a nearby fence.
Or worse, nicks a bystander.
Or your client claims you missed a key shot and they want a refund… or more.
Even minor incidents can lead to:
- Property damage liability claims
- Equipment repair or total loss
- Contract disputes
- Injury claims from third parties
Without insurance, you’re on the hook, financially and legally.
The Benefits of Staying Continuously Covered
Here’s why even part-time drone pros should stay insured year-round:
1. It’s Affordable
Policies for low-use operators can start under $500/year for liability-only coverage. Add hull if needed.
2. It Maintains Your Business Reputation
Want to be taken seriously by clients? Carry proof of insurance. It shows professionalism and readiness.
3. You Avoid Gaps That Can Hurt You Later
Letting a policy lapse can:
- Increase your premium later
- Limit which carriers will quote you
- Jeopardize claims if you fly without coverage
4. It Covers You on the Ground
Drone insurance isn’t just for the air. It protects you during:
- Transport
- Charging
- Preflight testing
- Equipment theft or damage while stored
Real-World Example: Infrequent Operator, Major Claim
A client had flown just twice in six months.
On the third flight, a paid survey job, he clipped a power line.
The drone fell, hitting a shed and narrowly missing the property owner.
The damage totaled $11,000.
A liability claim was filed.
His policy? Fully intact. Paid out in full.
No lapse. No delay.
Had he canceled coverage during his slow months, he’d have faced full liability, and a client relationship ruined.
Alternatives If You Really Can’t Stay Fully Covered
If year-round insurance isn’t an option, consider:
Short-Term Policies:
- Coverage by the day, week, or month
- More expensive per hour, but useful for occasional flyers
On-Demand Liability Coverage:
- Can be activated before a scheduled job
- Requires lead time and usually doesn’t include hull
Just know: these options offer less flexibility and may not satisfy all client requirements.
Why BWI Supports All Drone Operators, Big and Small
We work with everyone from national mapping companies to solo drone photographers.
Whether you fly 300 hours per year or 3, we:
- Quote across multiple carriers
- Help find the best value for your use case
- Issue fast certificates of insurance
- Review and adjust your policy as your flying ramps up or slows down
Final Thoughts: You Don’t Have to Fly Every Day to Need Insurance
It only takes one flight for something to go wrong.
And whether you’re flying once a day or once a month, being properly insured gives you:
- Peace of mind
- Professional credibility
- Protection for your equipment and reputation
If you’re flying less but still want protection, reach out to us. We’ll find the most cost-effective policy that actually works for your needs.
[Request a Drone Insurance Quote from BWI Today]
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