Photographer insurance guide
Drone photography insurance
Drones are aircraft under federal law, and most standard business policies exclude aircraft. Drone work needs its own coverage.
FAA rules in brief
Commercial drone pilots generally need an FAA Remote Pilot Certificate under 14 CFR Part 107, must register drones, and follow operating rules on altitude, airspace, and flying over people. Check the FAA's drone pages for current rules.
Coverage
- Drone liability for injury and property damage
- Hull coverage for the drone and camera
- Payload and ground equipment
- Invasion of privacy coverage, if available
Client requirements
Real estate brokers, builders, and event clients increasingly ask drone operators for proof of liability coverage and certification.
Frequently asked questions
Does general liability cover drones?
Most general liability policies exclude aircraft, which can include drones. Drone liability coverage is usually separate.
Do I need an FAA certificate for paid drone work?
Commercial drone operations in the U.S. generally require an FAA Remote Pilot Certificate under Part 107.
Is drone damage covered by equipment insurance?
Often not; drone hull coverage is typically separate.
More coverage and guides
- Camera and gear insurance
- General liability for photographers
- Professional liability for photographers
- Wedding photographer insurance
- Commercial photography insurance
- Videographer insurance
- Drone photography insurance
- Venue certificates of insurance
- What affects photographer insurance cost
- Protecting gear from theft
- Photographer insurance application checklist
Last updated October 15, 2026 · How we research