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Annual commercial drone insurance

Year-round protection
for commercial
drone pilots.

Annual hull and liability insurance for professional drone operators. Comprehensive cover for aerial photography, surveying, inspections, and commercial flights. Up to $20M liability protection.

Get an instant quote → See what's covered

Drone liability — your exposure

$280,000+

Average cost of a serious third-party injury claim from a commercial drone operation, including medical, legal, and compensation costs.

💥
Hull total loss Agreed value
🏥
Third-party injury Up to $20M
🔒
Privacy claims Covered
⚖
Legal defence costs Covered
✓
12 months continuous cover
✓
Hull + liability in one policy
✓
Certificate issued instantly
✓
Up to $20M liability protection

Who this is for

Professional operators with regular commercial flying

If you fly drones commercially more than 50 days per year, annual cover is more cost-effective than short-term policies.

📸
Full-time aerial photographers
Regular aerial photography for real estate, events, and commercial clients.
🔍
Commercial surveyors
Ongoing surveying, mapping, and infrastructure inspection contracts.
🏗
Construction monitors
Regular site monitoring, progress documentation, and safety inspections.
🌾
Agricultural operators
Crop monitoring, spraying, and land assessment services.
🎬
Film & TV production
Production companies with regular aerial filming requirements.
🔧
Infrastructure inspectors
Power lines, pipelines, bridges, and asset inspection businesses.

What's covered

Comprehensive hull and liability protection

✓
Crash damage
Physical loss or damage during flight operations.
✓
Fire, explosion & lightning
Destruction from fire, explosion, or lightning strikes.
✓
Theft & malicious damage
Theft of your drone up to agreed value.
✓
Transit & ground handling
Damage while properly packed, in transit, or during ground handling.
✓
Bodily injury liability
Third-party injury claims up to $20M per occurrence.
✓
Property damage liability
Third-party property damage up to $20M per occurrence.
✓
Legal defence costs
Paid in addition to your policy limit.
✓
Sub-contractor indemnity
Covers authorised operators and sub-contractors you hire.
✓
Total loss replacement
Agreed value replacement if your drone is beyond repair.

Real scenarios

Where this cover protects you

The third-party collision
Claim: $280,000

While surveying a construction site, your drone collides with scaffolding, causing it to collapse. A worker below suffers injuries.

Coverage: Medical expenses, lost income, legal defence, rehabilitation costs, and compensation up to $20M.
The hull total loss
Claim: $25,000

Your $25,000 survey-grade drone experiences GPS failure and crashes into a river during a mapping project. The drone is unrecoverable.

Coverage: Agreed value replacement of $25,000 (less excess).
The privacy claim
Claim: $45,000

A homeowner claims you invaded their privacy while filming nearby construction. They sue for emotional distress and seek an injunction.

Coverage: Legal defence costs and settlement if you're found liable.
The equipment malfunction
Claim: $18,000

During an inspection flight, your drone's camera detaches and falls, destroying a client's solar panel array.

Coverage: Third-party property damage and repair costs.

What's not covered

Know the limits of your policy

✗
Wear and tear
Routine maintenance and gradual deterioration.
✗
Air shows or racing
Unless pre-approved by the insurer.
✗
Unlicensed operators
Pilot must have 10+ hours experience plus RPAS training.
✗
Illegal operations
Flights outside CASA regulations or manufacturer guidelines.
✗
Payload (cameras/sensors)
Detachable cameras and sensors can be added for an additional premium.
✗
Business interruption
Lost income requires separate cover.

How it works

Get covered in 3 simple steps

1
Answer 4 quick questions
Tell us about your drone, how you use it, and the cover you need. Takes about 2 minutes.
2
Get your quote
We'll generate an instant quote. No paperwork, no phone calls.
3
Pay & fly
Accept your quote and pay online. Your certificate of currency is issued instantly.
Get an instant quote →

Frequently asked questions

Common questions about DroneCare Online

Can I add drones to my policy during the year? +
Yes, contact us to add new drones. We'll pro-rate the premium for the remaining policy period.
Do I need a commercial drone licence? +
You need either a RePL (Remote Pilot Licence), or 10+ hours flight experience plus a completed RPAS training course. If you're still in training, you're covered while under official instructor supervision.
What if I own multiple drones? +
You can insure multiple drones on one policy. Each drone needs its own declared value and will have a separate excess.
What if I only fly occasionally? +
If you fly less than 50 days per year, DroneCare 2 Go (short-term) may be more cost-effective.
Is my camera and gimbal covered? +
Cameras and gimbals permanently attached to the drone are covered under hull. Detachable cameras and sensors require the Payload add-on.
Can I fly internationally? +
Yes, worldwide cover is included (excluding North America for products liability, and war zones). Check local regulations before flying overseas.
What if my drone is modified or customised? +
You must declare all modifications. Major changes (upgraded motors, structural changes) may affect your premium or require underwriter approval.

Protect your drone business year-round

Quote in 2 minutes. Certificate issued instantly. 12 months continuous cover.

Get an instant quote → Compare DroneCare 2 Go (Short-term) →

Need help?

Talk to a broker

Not sure which drone cover is right for you? Our brokers can help you find the right policy.

📞 1300 475 092 hello@withpocket.com.au

Monday – Friday, 9 am – 5 pm AEST