Aviation - UAS/Drone Operations

Aviation – Air Operations

Kinsale’s Aviation Division has solutions for Air Operations available, including Aircraft Hull and Liability on a primary, excess, or quota share basis.

We target hard-to-place and unique general aviation accounts, including private business, recreational, corporate, commercial, and flying clubs.

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Aviation – Ground Operations

Kinsale’s Aviation Division has several options available for Ground Operations coverage, including Hangarkeepers’, Grounding coverage, General Liability, and Products Liability.

Our Aviation team can consider your aviation-only risks, as well as manufacturers and contractors with partial aviation exposures or UAS/drone exposures. We can consider these risks on a primary, quota share, or excess basis.

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Policy Structure:

• Up to $10M in total Drone Operator Liability capacity on a primary, excess, or quota share basis
• Up to $2M in Drone Hull/Physical Damage capacity on a primary or quota share basis
• Up to $1M sublimit available for chemical application via drone

Submission Requirements:

• Signed & dated Kinsale UAS/Drone Operators supplemental application
• Five-year currently-valued company loss runs
• Copies of the following:
  • FAA licenses and endorsements held by all operators flying for insured
  • Any FAA authorizations or waivers held by insured, including any amendments or special certificates of waiver
  • Any FAA or NTSB reports involving insured’s operations
  • Operational manual or standard
  • Operating procedures
• Website information or brochure
• Year, make, model, & serial number of drones, if requesting hull/physical damage coverage

• What Aviation insurance products does Kinsale offer for UAS/drone operations?

  Kinsale’s Aviation Division provides Operator Liability and hull coverages for drone and unmanned aircraft systems (UAS) accounts. We can consider both UAS operation-only risks and accounts with ancillary UAS exposures.

  In addition, we offer Aircraft Hull and Liability coverage for a variety of general aviation aircraft and pilots, as well as ground-based operations coverage, including Aviation General Liability, Products Liability, Hangarkeepers Liability, and Grounding Liability.

• What limits does Kinsale offer for Drone Operator Liability and Drone Hull coverages?

  We can consider up to $10M in total Drone Operator Liability capacity on a primary, excess, or quota share basis and up to $2M for Drone Hull/Physical Damage on a primary or quota share basis.  

• Is chemical application coverage available for agricultural spraying done by drone?

  Yes, we consider chemical application coverage for drone crop sprayers. We are not currently writing herbicide applicators, but we can consider limits up to $1M for all other operations.