Drones have become an indispensable tool in modern construction. From surveying job sites and tracking progress to inspecting rooftops and capturing promotional footage, drones increase safety and efficiency on every project. But operating drones on active construction sites comes with serious risks, property damage, injuries, and regulatory exposure. That’s why every contractor and construction firm using drones needs drone construction insurance.
Why Construction Companies Need Drone Insurance
Construction environments are dynamic, crowded, and full of potential hazards. A drone crash could damage expensive machinery, injure a worker, or delay an entire project. Standard general liability insurance usually excludes aviation-related incidents, meaning your drones might not be covered.
Here’s why dedicated drone coverage is essential for the construction industry:
– High-Risk Environments: Active job sites, cranes, and metal structures increase collision risks.
– Expensive Assets: Drones often fly near heavy equipment or materials worth millions.
– Client Contracts: Many general contractors and developers require $1M–$5M liability coverage.
– Professional Compliance: Ensures you meet FAA and insurance requirements for commercial flights.
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What Drone Construction Insurance Covers
Comprehensive policies cover everything you need to operate safely and professionally:
– Liability Coverage: Protects against injury or property damage caused by your drone.
– Hull Coverage: Covers physical damage or loss of your drone.
– Payload Coverage: Protects cameras, sensors, and inspection tools.
– Personal Injury Coverage: Covers privacy or reputational claims from footage capture.
– Non-Owned Coverage: Covers drones used by subcontractors under your supervision.
– Fleet Coverage: Ideal for construction firms managing multiple drones across sites.
How Much Does Drone Construction Insurance Cost?
Drone insurance pricing varies based on the number of drones, project types, and liability requirements. At BWI Aviation Insurance, most construction operators pay between $800 and $3,000 annually per drone for full coverage.
Typical breakdown:
– $1M liability + hull coverage: $1,200–$2,000/year
– $5M liability: $3,000–$5,000+/year for larger projects
Case Study: Commercial Rooftop Inspection
A roofing contractor in California used a drone to inspect a commercial warehouse. During a flight, interference from nearby power lines caused the drone to crash into a skylight, damaging the glass and interior office space.
Their BWI drone construction insurance policy covered all $12,000 in damages, including legal fees and replacement costs. The contractor completed the inspection report on time, avoiding delays or liability disputes.
Benefits of Drone Construction Insurance
- Protection Against Financial Loss: Covers damage, theft, and liability claims.
• Faster Contract Approvals: Proof of insurance helps win larger bids.
• Reduced Downtime: Repairs and replacements are handled quickly.
• Peace of Mind: You can focus on building, not worrying about risk.
Why Choose BWI for Construction Drone Coverage
BWI Aviation Insurance has over 45 years of aviation expertise, helping construction and inspection companies get the right coverage for their drones. We offer scalable solutions that grow with your business and provide fast, reliable service from real aviation professionals.
With BWI, you get:
• Access to multiple aviation insurers for the best rates
• Same-day certificates for construction projects
• Dedicated claims support
• Coverage from single drones to full project fleets
Conclusion
Drone construction insurance protects your drones, your projects, and your company’s reputation. Whether you’re surveying, inspecting, or documenting progress, proper coverage keeps your business moving forward — no matter what happens on-site.
Get your drone construction insurance quote today from BWI Aviation Insurance.
Bwifly.com / 800-666-4359
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