Best Drone Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Drone Insurance Firms in USA
Published: December 31, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Aviation Insurance Coverage by Global Aerospace scored highest due to Best for enterprise drone fleets, public agencies, and complex operations. Provides full UAS system protection and global liability with fleet‑friendly features, plus optional hourly coverage through SkyWatch to match project‑by‑project needs [1](https://www.global-aero.com/drone-insurance/), [2](https://www.global-aero.com/programs/thimble-verifly-app-drone-insurance/)..
Content Verification
Side-by-Side Comparison
| Feature | #1 Aviation Insurance Coverage (Global Aerospace) | #2 Aviation (AIG) | #3 Unmanned Aircraft Systems Insurance (USAIG (United States Aircraft Insurance Group)) | #4 Aviation & Aerospace Insurance (Starr Insurance Companies (Starr Aviation)) | #5 Drone & UAS Insurance (Old Republic Aerospace) |
|---|---|---|---|---|---|
| Best For | Best for enterprise drone fleets, public agencies, and complex operations. Provides full UAS system protection and global liability with fleet‑friendly features, plus optional hourly coverage through SkyWatch to match project‑by‑project needs [1], [2]. | Best for operators needing bespoke terms and advanced risk provisions. AIG’s UAS policy is written specifically for unmanned exposures, covers operators and ground crews, and offers optional hijacking/spoofing coverage backed by seasoned aerospace underwriting and claims teams [1], [2]. | Best for commercial operators and manufacturers seeking strong coverage plus safety support. USAIG insures owned/non‑owned UAS and augments policies with its Performance Vector Unmanned program to boost compliance, training, and risk control [1], [2]. | Best for construction, enterprise, and program‑based buyers needing flexible access. Starr offers drone coverage for construction risks, partners with AMA to serve commercial pilots, and underwrites usage‑based access via SkyWatch for instant purchases through brokers and apps [1], [2], [3]. | Best for U.S. businesses needing high limits and nationwide availability. Old Republic Aerospace offers liability up to $10M, hull/payload coverage, and multi‑drone policies across all 50 states, with digital quote, bind for brokers via Precision Autonomy [1], [2]. |
| Liability Limits | Third-party liability limits typically $1M, $5M; higher limits of $25M+ available for qualified operators. (global-aero.com) On-demand hourly drone policies via SkyWatch/Verifly offer up to $10M liability coverage. (global-aero.com) | General Aviation (including UAVs): liability limits up to $650M. Airline risks: up to 15% of $2.5B capacity. (aig.com) | Not publicly stated. USAIG’s UAS liability uses a single combined limit per occurrence, chosen per risk; defense costs are paid in addition to limits. No standard minimum/maximum published. (usau.com) | Liability limits: General Aviation, up to USD 300M (jets) and USD 50M (non‑jets). (starrcompanies.com) Airports, online quoting available for accounts with liability limits up to USD 10M. (starr.com) Space, third‑party legal liability capacity up to 20% of program limits (overall space capacity USD 35M per spacecraft/launch vehicle). (starr.com) | $100, 000 to $10, 000, 000 in UAS liability coverage. (oldrepublicaerospace.com) |
| Coverage Flexibility | Flexible packages with coverage for single drones or entire fleets (blanket liability; automatic coverage for new drones). Fly anytime, anywhere worldwide. Instant online quotes and 24/7 self‑serve certificates. Optional payload, ground equipment and privacy coverage. Also offers on‑demand hourly liability via SkyWatch. (global-aero.com) | Customizable UAS policy with flexible terms and conditions; coverage can include operators and on‑ground crew, no exclusion for electronic malfunctions, and optional hijacking/spoofing plus war/terrorism extensions. Broad physical damage and third‑party liability tailored to unmanned exposures. (aig.com) | Worldwide coverage with customizable options that scale as operations grow: physical damage for UAS, payloads, sensors, ground equipment, and spares; third‑party liability including premises, personal injury, non‑owned, war and TRIA; covers owned and non‑owned operators and manufacturers, plus large/special‑purpose UAS missions. (usau.com) | Flexible, tailored options across aviation and space: UAS/construction programs; renters insurance on‑demand (monthly or annual); airport portal quotes multiple liability limits; business auto added for aviation insureds with higher limits available; and space policies tailored from launch to in‑orbit/transponder coverage. (starrcompanies.com) | Liability limits $100, 000, $10M, plus physical damage (hull) and payload coverage. Multi-drone policies; available in all 50 states. (oldrepublicaerospace.com) |
| Training and Safety Programs | Global Aerospace’s SM4 Aviation Safety Program offers complimentary safety resources and a monthly Safety Resource Bulletin. UAS operators receive dedicated training content via the UAS Video Library and DARTdrones partner. The SM4 online LMS for GA policyholders (excluding UAS) sunset May 31, 2024; a new content-delivery approach is in development. (sm4.global-aero.com) | AIG Aerospace offers safety and loss control services: hazard identification, development of internal auditing programs, and support to build clients’ safety programs. Consultants provide surveys, program development, pre‑audit evaluations, and educational resources. UAS clients get loss control specialists to enhance operational safety. (aig.com) | USAIG’s Performance Vector Unmanned gives UAS policyholders an annual SafetyPoints allocation (upon enrollment) to redeem for training, certification, and compliance resources through USI’s marketplace, plus subsidies for fleet‑management/safety tools like AlarisPro. Re‑enroll each policy year to receive points; they offset provider costs and support safer, compliant operations. (usau.com) | Starr Aviation runs the Starr Safety Partnership offering discounted access to safety services (e.g., egress training, UPRT, in‑flight medical, risk‑reduction tech) across the aircraft ownership lifecycle. (starrcompanies.com) It also partners with CAE on an 18‑month single‑pilot mentorship program with simulator training, FDM and UPRT. (cae.com) Policyholders completing SAFE/Redbird Pilot Proficiency training may receive accident‑forgiveness benefits. (starr.com) | Provides complimentary Risk Control services to insureds, including on-site safety surveys, assessment of training programs/procedures, safety and hazard-analysis training, emergency response planning, and accident/near-miss evaluation; drone page also directs operators to AUVSI and Know Before You Fly safety resources. (oldrepublicaerospace.com) |
Aviation Insurance Coverage
Global AerospaceCompany Information
Global Aerospace is a leading provider of aviation insurance products and services, enabling the future of flight by providing financial protection to aerospace and aviation stakeholders. With a global presence and a team of experienced professionals, the company offers a wide range of insurance solutions to individuals and organizations in the aviation and aerospace industry.
Keywords
Description
For more than a century, Global Aerospace has helped aviation and aerospace stakeholders protect their assets and operations, continually innovating to lead the way in our industry.
What They Do
Provide aviation and aerospace insurance solutions
Who They Serve
Aviation and aerospace stakeholders including airlines, manufacturers, pilots, and space agencies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Comprehensive UAS insurance purpose-built for drone operators, covering third‑party liability plus optional equipment, payload, and privacy risks. Offers options for single aircraft or fleets with worldwide coverage and easy certificates, with instant online quotes for U.S. operators.
Key Features
- Coverage for aerospace manufacturers
- Coverage for aircraft and engine leasing
- Airline insurance
- Airports and ground handlers insurance
- Aviation professional services liability
- Corporate aviation insurance
- Emerging technology insurance (including drones and UAS)
- General aviation insurance
- Grounding liability insurance
- Light aircraft insurance
- Space and satellite insurance
- Unmanned aircraft systems insurance
Key Benefits
- Customized insurance solutions based on unique operational characteristics
- Attentive and prompt claims service
- Coverage for the full spectrum of aviation risks
- Competitive terms and high-quality service
- Expertise from a team focused solely on aviation insurance
- Global reach, insuring risks in over 75 countries
- Financial protection for both traditional and emerging aviation sectors
Who Is It For
- Aerospace manufacturers
- Aircraft and engine lessors
- Airlines
- Airports and ground handlers
- Aviation professional service providers
- Corporate aviation operators
- Emerging technology companies (e.g., drones, UAS)
- General aviation operators
- Operators requiring grounding liability coverage
- Light aircraft owners/operators
- Space and satellite industry participants
- Unmanned aircraft systems (UAS) operators
Aviation Insurance From an Industry Leader
Commercial and private stakeholders throughout aviation trust Global Aerospace for insurance customized to meet their unique needs and attentive service to ensure claims are processed promptly and thoroughly.
Experts With Unique Aviation Insurance Perspectives
For more than a century, we have helped the aviation industry thrive. Essential to that goal are skilled underwriters and claims professionals with a rare combination of aviation industry experience and insurance expertise. Because aviation insurance is all we do, our team members understand the importance of providing both competitive terms and high-quality service to address stakeholders’ needs. Our rating approach is based on your unique operational characteristics and commitment to safety—not merely industry averages.
What Does Aviation Insurance Cover?
Global Aerospace provides simplified access to aviation insurance products that cover the full spectrum of aviation risks.
- Aerospace Manufacturers
- Aircraft and Engine Leasing
- Airline
- Airports & Ground Handlers
- Aviation Professional Services Liability
- Emerging Technology
- General Aviation
- Grounding Liability
- Light Aircraft
- Space & Satellite
- Unmanned Aircraft Systems
A Pioneer and Leader in Aviation Insurance
Global’s roots in aviation go as deep as the industry itself. Our company was founded a century ago by people committed to helping stakeholders succeed and aviation advance, and we haven’t rested on our early success. Global continues to invest in new and improved ways of providing financial protection to today’s aviators and industry innovators.
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Supporting Resources
Detailed Comparison
Liability Limits
Coverage Flexibility
Training and Safety Programs
AIGCompany Information
Description
For more than 150 years, Great American Insurance Group has been trusted to protect what matters most to their customers by offering specialized coverages tailored to meet unique business needs.
What They Do
Provides specialty insurance solutions tailored to various industries.
Who They Serve
Businesses of all sizes across multiple sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
AIG’s aerospace team offers UAS policies tailored to unmanned risks, combining broad physical damage and third‑party liability coverage. Wording is drafted specifically for UAS and can include operators and ground crew, with optional hijacking/spoofing protection.
Key Features
- Non-commercial hull and liability coverage
- Commercial hull and liability coverage
- Helicopter hull and liability coverage
- Fixed Base Operators liability
- Manufacturers Product liability
- Unmanned Aerial Vehicle (UAV) hull and liability
- Excess liability
Key Benefits
- Expert underwriting with deep aviation industry experience
- Tailored insurance solutions for a wide range of aviation risks
- Coverage available on a 100% or quota-share basis
- Admitted insurance products
Who Is It For
- Aviation businesses and operators
- Non-commercial and commercial aircraft owners
- Helicopter operators
- Fixed Base Operators (FBOs)
- Aviation manufacturers
- Unmanned Aerial Vehicle (drone) operators
Aviation
We specialize in the placement of hull, liability and excess liability across a wide array of aviation-related risks. Discover how we can help support your aviation needs.
Coverage You Can Count On
Because aviation is a complex industry, you need an insurance provider that understands the unique risks of aviation operations. We offer coverage on a 100%, or a quota-share basis, and offer the following coverage types:
- Non-commercial hull and liability
- Commercial hull and liability
- Helicopter hull and liability
- Fixed Base Operators liability
- Manufacturers Product liability
- Unmanned Aerial Vehicle hull and liability
- Excess liability
Expert Aviation Insurance Solutions
Our underwriters are experts in analyzing, pricing, and tailoring unique insurance coverage on an admitted basis. Additionally, each underwriter has extensive experience in the aviation industry in areas including air traffic control, landside operations and commercial pilot operations.
Resources
Detailed Comparison
Liability Limits
Coverage Flexibility
Training and Safety Programs
Unmanned Aircraft Systems Insurance
USAIG (United States Aircraft Insurance Group)Company Information
Summary
End‑to‑end UAS coverage for owned and non‑owned aircraft, including physical damage for drones, payloads, sensors, and ground equipment, plus third‑party liability. Augmented by Performance Vector Unmanned, a safety program that funds training and fleet‑management tools for policyholders.
Detailed Comparison
Liability Limits
Coverage Flexibility
Training and Safety Programs
Aviation & Aerospace Insurance
Starr Insurance Companies (Starr Aviation)Company Information
Starr is a global insurance and investment organization that provides commercial property and casualty products as well as a range of specialty coverages, including aviation, marine, energy and excess casualty insurance, to leading businesses around the world.
Keywords
Description
Starr applies an innovation mindset and agile approach to help protect businesses across their global supply chains and futureproof for growth.
What They Do
Insurance and travel assistance across various industries.
Who They Serve
Businesses in diverse sectors including aviation, construction, and energy.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Starr provides drone/UAS coverage for commercial use, including tailored programs for sectors like construction and specialty initiatives with industry associations. It also supports usage‑based distribution through partnerships that enable instant purchases via digital platforms.
Key Features
- Adaptable coverage as industry shifts
- Expert support and claims service
- Multiple core and additional coverage options
Key Benefits
- Coverage tailored to unique aviation and aerospace operations
- Protection for assets, people, and reputation
- Fast response and claims handling by aviation experts
- Minimized downtime and business disruption
Who Is It For
- Aviation operators
- Aerospace companies
- Airlines
- Light aircraft owners/operators
- Businesses with aviation-related automobile needs
- Organizations involved in space operations
Aviation & Aerospace
In aviation, risk is real, every decision impacts your bottom line and you need protection built for your unique operations. Starr Aviation adapts your coverage as the industry shifts to safeguard your assets, people, and reputation. When the unexpected happens, you get answers fast from aviation experts, keeping downtime low and business moving.
Core Coverages
- General Aviation
- Space
- Airlines & Aerospace
- Light Aircraft
- Business Automobile
- Safety Alliance
Additional Coverages List
- Property
- Defense Base Act
- Cyber Risk
Resources
Supporting Resources
Detailed Comparison
Liability Limits
Coverage Flexibility
Training and Safety Programs
Drone & UAS Insurance
Old Republic AerospaceCompany Information
Summary
Specialized UAS coverage with liability limits from $100, 000 to $10 million, plus hull and payload protection. Available for multiple drones across all 50 states, supported by aviation‑focused claims expertise and broker support.
Detailed Comparison
Liability Limits
Coverage Flexibility
Training and Safety Programs
Our Ranking Methodology
How we rank these offerings
We ranked these Drone Insurance Firms in USA using a weighted scoring formula: Coverage Flexibility (40%), Liability Limits (35%), Training and Safety Programs (25%). N/A values receive 0 points. Aviation Insurance Coverage scored highest with 93 due to outstanding coverage flexibility, competitive liability limits, and strong safety resources. Companies with N/A values had reduced maximum scores.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for drone insurance in the USA?
- Costs and pricing models in the drone insurance industry vary significantly based on coverage needs and the scale of operations. For instance, companies like Drone & UAS Insurance offer liability limits ranging from $100, 000 to $10 million, suited to diverse operational scales. Insurance can also be customized with hull and payload protection, affecting premiums. Aviation Insurance Coverage provides worldwide coverage with flexible options for single aircraft or fleets, affecting pricing based on the level of risk and coverage area. Instant online quotes provided by such insurers enable operators to quickly assess potential costs.
- What key selection criteria should be considered when choosing a drone insurance provider?
- Key selection criteria include the breadth of coverage, availability of specialized options, and ease of obtaining quotes and certificates. AIG’s aerospace team emphasizes the importance of tailoring policies to specific unmanned risks, offering options like hijacking/spoofing protection. Companies should assess whether they need coverage for single drones or entire fleets, as offered by Aviation Insurance Coverage. Additionally, considerations such as third-party liability, optional equipment coverage, and privacy risks are crucial to ensure comprehensive protection.
- What industry standards and compliance considerations must be met by drone operators?
- Drone operators need to comply with FAA regulations and ensure that their insurance coverage aligns with industry standards for safety and risk management. Starr's programs tailor coverage for sectors like construction and industry associations, emphasizing compliance with specific operational requirements. Insurers like Unmanned Aircraft Systems Insurance augment coverage with safety programs like Performance Vector, funding training and tools to help operators maintain compliance with evolving standards. Operators must ensure that their chosen policy provider addresses both regulatory requirements and industry best practices.
- What are the main implementation challenges and solutions in adopting drone insurance?
- Deployment challenges include understanding diverse coverage needs and integrating insurance processes with existing operations. To mitigate these, companies like Starr leverage digital platforms for instant policy purchases, simplifying the acquisition process. Providers such as Aviation Insurance Coverage offer easy certificate generation and online quoting tools, which reduce administrative burdens. Comprehensive solutions from insurers like Unmanned Aircraft Systems Insurance offer end-to-end coverage, ensuring operators can manage both owned and non-owned aircraft, addressing potential gaps in coverage.
- How can drone insurance deliver ROI and value to operators?
- Drone insurance provides significant value by safeguarding against substantial financial losses from accidents, liability claims, and equipment damage. For example, companies like AIG and Drone & UAS Insurance provide broad liability and physical damage coverage, which can prevent costly out-of-pocket expenses. Moreover, programs like Performance Vector Unmanned offer training and fleet-management tools, which enhance operational efficiency and safety, ultimately leading to cost savings. Overall, the protection and enhancements provided through comprehensive insurance translate into a favorable ROI by promoting operational continuity and reducing loss risks.
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