Flying Commercially Means Flying with More at Stake
If you’ve earned your FAA Part 107 Remote Pilot Certificate, you’ve proven your knowledge of airspace rules, flight safety, and operational regulations. That certification opens the door to commercial drone work, everything from real estate photography to industrial inspections.
But while Part 107 proves you’re qualified to fly, it does not protect you if something goes wrong. That’s where Part 107 drone insurance comes in.
At BWI Aviation Insurance, we insure thousands of Part 107 pilots across the U.S., and we’ve seen firsthand how the right coverage can save a business from financial disaster.
Get Your Part 107 Drone Insurance Quote Today »
What Is Part 107 Drone Insurance?
Part 107 drone insurance is commercial UAV coverage designed specifically for FAA-certified pilots. It protects against the unique risks of flying drones for business purposes, including:
- Liability – Injuries to people or damage to property caused by your drone.
- Hull – Physical damage to your drone, whether from a crash, theft, or other loss.
- Payload – Damage or loss of high-value equipment mounted to your drone.
- Non-owned – Coverage when flying drones you don’t own.
- Event-specific – Insurance tailored to filming at concerts, weddings, or sports events.
Why Liability Coverage Is Non-Negotiable for Part 107 Pilots
Even if you’re a skilled and experienced pilot, accidents happen:
- Your drone clips a power line during a roof inspection and damages HVAC equipment.
- A sudden gust of wind blows your UAV into a parked car during a real estate shoot.
- You’re filming at a festival and a malfunction causes the drone to hit a vendor’s tent.
In each case, you could be liable for thousands in repairs, medical bills, and legal fees.
Liability coverage pays for:
- Bodily injury claims
- Property damage claims
- Legal defense and court costs
Without it, your business, and personal finances, are at risk.
See also: Drone Liability Insurance
Hull Coverage: Protecting Your Equipment
Commercial drones can cost anywhere from $1,000 for a basic setup to $30,000+ for enterprise systems with LiDAR or thermal sensors.
Hull coverage ensures you won’t have to absorb the full cost of repair or replacement if your drone is damaged, lost, or stolen.
Typical examples:
- Collision with a building or tree
- Water damage during low-level flights
- Theft from a job site or vehicle
See also: Hull Insurance for Drones
Common Coverage Requirements for Part 107 Contracts
Most commercial clients, especially corporate, government, or event organizers—require proof of insurance before allowing you to operate.
Typical requirements:
- $1M liability limit (sometimes more for high-profile jobs)
- Additional Insured status for the client or venue
- Same-day Certificate of Insurance
At BWI, we can issue your certificate the same day you request it, so you never miss an opportunity.
Cost of Part 107 Drone Insurance
Premiums depend on your coverage type, limits, and UAV value:
Typical Annual Pricing for Part 107 Pilots:
- $1M liability-only: $275–$350/year
- $1M liability + $2,500 hull: $600–$800/year
- $1M liability + $10K hull/payload: $1,000–$1,400/year
See: Drone Insurance Cost Guide
Part 107 Insurance vs. DJI Care Refresh
DJI Care Refresh is not a substitute for commercial UAV insurance. It’s a manufacturer repair program, not an insurance policy.
DJI Care Covers:
- Repair or replacement for accidental damage to your DJI drone
It Does NOT Cover:
- Liability claims
- Damage to property or injury to people
- Payload equipment
- Contract compliance requirements
For full protection, many Part 107 pilots carry both DJI Care and BWI commercial coverage.
See also: DJI Drone Insurance vs. BWI
Industries Where Part 107 Pilots Need Insurance the Most
- Real Estate Photography – Flying over properties, near homes, and vehicles.
- Construction & Infrastructure Inspection – High-risk environments with valuable equipment.
- Agriculture Operations – Crop spraying and mapping over large areas.
- Media & Events – Crowded spaces with high liability exposure.
- Government & Utility Work – Often require $5M+ in coverage.
See also: Agriculture Drone Insurance | Drone Insurance for Events
How to Get Part 107 Drone Insurance from BWI
- Request a Quote – Use our online form or call 800-666-4359.
- Select Coverage – Choose liability limits, hull values, and add-ons.
- Receive Your Certificate – Often the same day, so you can start your job immediately.
Final Word
Your FAA Part 107 certificate qualifies you to fly commercially. But only Part 107 drone insurance protects you from the financial risks that come with it.
With BWI, you get:
- Nationwide coverage
- Competitive rates
- Same-day certificates
- 45+ years of aviation insurance expertise
Request Your Part 107 Drone Insurance Quote Today »
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