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Man flying drone

Drones and UAV 

Flying a drone seems like an easy and fun way to take pictures of houses for real estate agents or to record different shots for your own business. However, no one ever thinks about the dangers while flying. For example, what happens if you crash it on a power grid that would cost millions to repair?

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How to get drones insurance in Canada?

Due to their aerial nature, the chances are that your current insurance does not cover them. Therefore, they must have protection from a particular aviation policy

With more and more people choosing to operate and fly them, the industry quickly became regulated all over North America, for a good reason, both for commercial and hobby use. US Federal Aviation Administration has estimated over 1.6 million registered as of July 2020. A large portion of 73% was designated for recreational purposes. These numbers exclude the smaller size anyone could buy from Amazon.
Transport Canada has provided a flow chart to navigate requirements to ensure proper operation. You can find this information on their website.


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About The Coverage

Protect from liability

Owners and pilots should purchase aviation liability coverage due to its highly mobile aerial nature. It will cover any property damage or bodily injuries caused by their operation. Ask your broker for UAV liability coverage in Canada.  

Protect your investment

Hull coverage covers physical damage to the drone and add-on coverage for equipment, remote controls, and more.

What is the Standard coverage offer?
  • UAV Liability (To Satisfy Transport Canada & Contract Requirements)
  • Hull Coverage
  • Ground-Based Equipment
  • Premise Liability
  • Program Specific to the Film Industry 
Why Is Drones Insurance Important in Canada?

Given that drones are flying objects and deemed to lose control resulting in crashing someone's property and causing liability claims, the owner and pilots may be interested in getting insurance in Canada to prevent the unfortunate event of an accident. Some may argue that home insurance would somehow cover some damage on or nearby one's property. However, this type of personal insurance will not cover commercial use (i.e. charging fees for taking videos overhead of other people's property). In addition, the personal insurer has no obligation to cover you when you use the UAV aircraft for financial gain.
Based on the number of drone accidents, owners and pilots are strongly encouraged to protect themselves by getting liability insurance in Canada. Also, consider covering the investment If the equipment is of high value.

When do you need drone insurance?

The use of drones has grown dramatically over the past few years. With the rise of the DJI Phantom 2 Vision+ quadcopter and other similar models, more and more people are taking to the skies to capture stunning aerial photos and videos. Drones have become integral to our daily lives, and many people use them for fun, work, and commercial purposes. When using the drone for recreation, such as photographing the landscape and wildlife as a hobby, there is no requirement by law to have insurance. Still, it will be wise to have them just in case of any liability that would cost dearly. However, when it is used mainly for commercial with the intention of profit-making, it is important that you be aware of the laws and regulations. There are laws concerning drone regulation, licensing, and the insurance you will need to purchase.

What does drone insurance cover?
Drone insurance covers you for damage to your drone or against claims made by someone whose property your drone may accidentally damage. So, if you lose control of the drone and it falls onto someone's car, you'll be covered for both the damage to your drone and their car.

Commercial Use

Commercial Drones Insurance in Canada for small and medium-sized businesses

The Unmanned Air Vehicle (UAV) coverage is a highly specialized insurance product that caters specifically to businesses or personal use. The product is in growing demand and covering a gap in non-specialty markets for this. It will help address market demand.
Commercial businesses interested in adding this in Canada to their coverage can contact us about options available. Transport Canada likely requires anyone using the aircraft for commercial or research purposes to carry liability insurance.

Drone solutions

When flying recreationally in Canada, it is recommended to have liability drone insurance in Canada. Should your UAV fall out of the sky and cause damage to people or property, you will want to ensure you are covered.

When flying commercially, you will typically require UAV or drone insurance in Canada for these flights (please check regulations in your area). However, general usage such as flying over power generation, mining, construction, photographers, or videographers for real estate agencies or their clients, is usually covered under the commercial use policy.

 

Common Repairs on DJI Drones and Their Costs

In the event of a pilot's worst nightmare, such as a crashed aircraft, you have the following options.

  • Get it repaired if salvageable. 
  • List on trade sites such as DroneTrader.com as parts and salvage.

So, what kind of costs should you expect if you need to repair your DJI Inspire or fix up your Mavic Pro?

The most common out-of-warranty repair costs so you can have a little better idea of what kind of costs you can expect. Please note that these are DJI part prices; your local dealer may sell for a different price. Also, if you have DJI Care Refresh, these prices should be significantly reduced or eliminated.

 

UAV & Drones Insurance

If you are a business owner using a UAV for videography or photography in your business, you will need UAV insurance. Transport Canada regulations can be a complex issue to navigate, but we are here to help. Whether you are looking for on-demand insurance in Canada for occasional UAV flights or searching for a robust commercial drone operation policy, we are here to help.
Should you need crash replacement insurance, you may want to consider manufacturer-based coverage options such as the DJI Care Refresh program. Still, we provide you with the best liability coverage for recreational and commercial use insurance. 

Will drone delivery take off?
Drone delivery has the potential to revolutionize the way we send and receive goods. It could also make some of the biggest retail names look like dinosaurs. With the promise of "last mile" delivery becoming a reality, many Canadians have wondered when we might see this service hit the market. According to Echelon Capital Markets analyst Rob Goff, the answer is that we may already be seeing it. Canadian drone delivery startups have already started to ramp up their operations, with several companies launching in Canada over the past year since Dec 2021.
What Is Drones Insurance?

The word "drone" describes an aircraft device with no crew. Liability insurance protects the pilot and the aircraft owner against damage, accidental injury, and more claims. While buying this for commercial purchases seems like a no-brainer, many enthusiasts also buy recreational use coverage. It will give them peace of mind to have fun flying without worrying about hurting someone or damaging someone's property.  

Do I Need Drone Insurance in Canada?

Flying a drone exposes consumers to many liabilities, especially true for users with little experience. For example, your aircraft could malfunction and crash into someone's property, causing damage to their home or car and causing a power dispute with million-dollar damage for businesses. For that reason, many experts suggest purchasing liability insurance coverage at the bare minimum—even if you only fly a drone for fun.
More expensive aircrafts may also require coverage for physical damage. In addition, you may want to consider coverage for personal loss, which could help you if yours is stolen from you.

Does Homeowner's Insurance cover drones?

According to the Insurance Information Institute (III), your home insurance policy's liability component can kick in if you or a family member end up in a lawsuit after flying a drone for recreational. Your policy may also include no-fault medical coverage to protect you against losses if your aircraft damages you or someone on your property, but these coverage are very limited.
A homeowner's policy can also provide coverage if someone steals your aircraft from your property. Ensure you have proper homeowner's coverage to accommodate it and the additional risk of flying one. The III suggests making sure your liability coverage is adequate if you want to protect your financial assets when flying one.  However, when you are flying for profit or commercially, this would not be covered.

How Much Does This in Canada Cost?

The cost of drone insurance in Canada can vary depending on various factors. These include the type of drone you have, the coverage you select, the amount of liability coverage you need, and whether you are using one for recreational or commercial purposes. However, annual policies usually start at around $500.

How do We choose the companies that offer the Best in Canada?

We compared the top companies that offer drone insurance in Canada to find providers with highly-rated products that can protect against damage, theft, liability, etc. In addition, we looked for companies that offer the broadest coverage possible, either on a national or international scale. We also compared companies that provide this type of insurance in Canada regarding the add-on coverage options and whether they let you get a free quote online. Finally, drone insurance in Canada providers with mobile apps and updated online features were also given preference.

In Conclusion
Commercial General Liability insurance alone is inadequate for aviation risks such as this. Thus, a business requires insurance to cover themselves adequately. Drone policies' specific design for various loss exposures anyone faces covering both first and third parties for property and liability incidents resulting from accidental situations.

Drone Insurance

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Think before you fly! A smash on the windshield may cost you. Get drone liability insurance to protect your asset and others from coming after you, starting from merely $20 a month.