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Cost of Insurance:
Drone insurance is basically split in two parts: liability and hull damage. In the liability type, these are the damages claimed by the third parties whereas hull damage is the damage related to your own drone. Generally, insurance policy for a liability goes up to $ 1 million while for hull damage it can go to $1500 per year. These are general quotes and specific ones may vary from company to company and drone to drone. Some companies provide insurance for liability only while other for hull damage and some for both.
Requirements of Insurance Brokers:
Insurance brokers also have some requirements. Generally, they would need the number of flying hours of the drone. The flying hours should normally be between 50 and 100. The drone owners are also required, in some cases, to hold the FAA 333 exemption. FAA 333 Exemption is a certificate issued by the Secretary of Transportation to operate in the National Airspace System. The insurance brokers also want to know whether the drone is owned or leased. They are curious as to whether the drone is able to automatically store the flight data etc. Lastly, they want to know the areas the drone has been flying and will fly in the future. They also check the website and last but not the least, want to know if any sort of training or certifications have been taken vis-à-vis drones.
When getting insured, first decide which company you want to go with. For that, you have to get quotes from several companies. And to get a quote from a company, you need to go to their website and fill out the quote form. The form will ask several questions related to the information about the owner, the type of coverage and the cost of equipment, operational locations and number of hours flown, training levels and number of previous accidents etc. After the form is filled, the particular company replies back with the quote. Once you have several quotes from several companies, you are better able to judge and you can apply to the company of your choice.