If our mission complies with Part 107, does that mean we have insurance?
No. FAA rules and waivers address whether an operation is authorized; the policy wording determines whether an insured loss is covered.
Give the broker the aircraft, pilot, operating area, people nearby, payload, customer property, and mission conditions. Ask for the actual aviation or UAS terms and exclusions that address those facts.[1][2][3]
If you rely on a waiver or operating category, include its conditions in the submission and ask whether the quoted activity matches them.[1][2]
Read the Drones Insurance Buying Guide
Sources and Further Reading for Drones
- Small Unmanned Aircraft Systems (UAS) Regulations (Part 107) — Federal Aviation Administration. Part 107 scope for small UAS under 55 pounds, registration, remote-pilot requirements, and operating limits.
FAA operating scope and requirements for small UAS under Part 107; not insurance guidance.
- Part 107 Waivers — Federal Aviation Administration. Commercial operators: waiver categories and operation-specific conditions, including operations over people.
Operation-specific waiver categories and conditions; authorization does not establish policy response.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: commercial property, inland marine, boiler and machinery, commercial general liability, products/completed operations, commercial auto, umbrella, and workers compensation.
General California CGL, property, and inland-marine concepts; aircraft exclusions and actual policy wording matter.
- Small Business Insurance — National Association of Insurance Commissioners. Small business insurance FAQ: professional liability for service or advice errors and distinctions from general liability.
NAIC distinguishes general liability from professional liability for service or advice errors; use it to frame a generic professional-services question.
- Cybersecurity — National Association of Insurance Commissioners, Center for Insurance Policy and Research. Cyber risk categories; relationship to commercial property and general liability; customized cyber policies.
NAIC outlines cyber loss categories and explains that cyber policies are customized.
- Cyber Insurance: Cybersecurity for Small Business — National Association of Insurance Commissioners. Small business cyber handout: first-party and third-party coverage, vendor-held data, and duty-to-defend questions, pages 1–2.
NAIC’s small-business handout frames questions about first-party costs, third-party claims, vendor-held data, and defense.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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