Drone business insurance averages $44 monthly, with costs ranging from $23 to $29 based on coverage needs and your location.
Get matched with cheap drone business insurance below.
Updated: October 14, 2025
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Drone business insurance costs $277 to $346 annually on average, varying by coverage type, location and industry specifics.
Your drone insurance rates depend on where you operate, past claims and team size.
Shop multiple business insurers, bundle coverage, raise deductibles and pay yearly to lower drone insurance costs.
We found average business insurance costs for drone companies for commonly needed coverage are as follows:
| BOP | $25 | $297 |
| General Liability | $17 | $201 |
| Professional Liability (E&O) | $106 | $1,273 |
| Workers' Comp | $27 | $322 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your drone business insurance cost for general liability coverage depends on where you operate. Maine delivers the lowest rates at $15 monthly compared to the $17 national average, while New York reaches $19 monthly.
| Alabama | $16 | $196 |
| Alaska | $15 | $179 |
| Arizona | $16 | $190 |
| Arkansas | $16 | $193 |
| California | $19 | $224 |
| Colorado | $17 | $199 |
| Connecticut | $18 | $218 |
| Delaware | $18 | $215 |
| Florida | $18 | $218 |
| Georgia | $17 | $204 |
| Hawaii | $17 | $209 |
| Idaho | $16 | $191 |
| Illinois | $18 | $221 |
| Indiana | $16 | $196 |
| Iowa | $16 | $191 |
| Kansas | $16 | $195 |
| Kentucky | $16 | $186 |
| Louisiana | $19 | $223 |
| Maine | $15 | $174 |
| Maryland | $16 | $192 |
| Massachusetts | $18 | $211 |
| Michigan | $16 | $190 |
| Minnesota | $16 | $188 |
| Mississippi | $17 | $202 |
| Missouri | $17 | $198 |
| Montana | $17 | $200 |
| Nebraska | $16 | $190 |
| Nevada | $19 | $228 |
| New Hampshire | $17 | $200 |
| New Jersey | $19 | $228 |
| New Mexico | $17 | $202 |
| New York | $19 | $234 |
| North Carolina | $15 | $174 |
| North Dakota | $15 | $175 |
| Ohio | $16 | $187 |
| Oklahoma | $16 | $187 |
| Oregon | $16 | $187 |
| Pennsylvania | $19 | $232 |
| Rhode Island | $18 | $221 |
| South Carolina | $17 | $207 |
| South Dakota | $16 | $188 |
| Tennessee | $16 | $196 |
| Texas | $17 | $203 |
| Utah | $16 | $191 |
| Vermont | $16 | $193 |
| Virginia | $15 | $183 |
| Washington | $19 | $228 |
| West Virginia | $18 | $211 |
| Wisconsin | $16 | $197 |
| Wyoming | $15 | $186 |
Note: We based these general liability rates on drone businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of services you provide.
The cost of workers' compensation insurance for drone businesses differs across states. Maine offers the most affordable rates at $23 monthly, while New York costs $31 monthly. State regulations and claim histories drive these pricing differences.
| Alabama | $26 |
| Alaska | $25 |
| Arizona | $25 |
| Arkansas | $26 |
| California | $30 |
| Colorado | $26 |
| Connecticut | $29 |
| Delaware | $29 |
| Florida | $29 |
| Georgia | $27 |
| Hawaii | $28 |
| Idaho | $25 |
| Illinois | $29 |
| Indiana | $26 |
| Iowa | $26 |
| Kansas | $26 |
| Kentucky | $25 |
| Louisiana | $31 |
| Maine | $23 |
| Maryland | $26 |
| Massachusetts | $28 |
| Michigan | $26 |
| Minnesota | $25 |
| Mississippi | $27 |
| Missouri | $27 |
| Montana | $26 |
| Nebraska | $26 |
| Nevada | $31 |
| New Hampshire | $27 |
| New Jersey | $31 |
| New Mexico | $27 |
| New York | $31 |
| North Carolina | $23 |
| Oklahoma | $25 |
| Oregon | $25 |
| Pennsylvania | $31 |
| Rhode Island | $29 |
| South Carolina | $28 |
| South Dakota | $25 |
| Tennessee | $26 |
| Texas | $27 |
| Utah | $26 |
| Vermont | $26 |
| Virginia | $24 |
| West Virginia | $28 |
| Wisconsin | $26 |
Note: We based these workers' comp rates on drone businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Professional liability cost depends on your state location. Businesses pay $107 monthly nationwide on average. North Dakota offers the most affordable rates at $91 monthly, while Pennsylvania businesses face the highest costs at $124 monthly.
| Alabama | $103 |
| Alaska | $94 |
| Arizona | $100 |
| Arkansas | $101 |
| California | $120 |
| Colorado | $106 |
| Connecticut | $113 |
| Delaware | $113 |
| Florida | $115 |
| Georgia | $107 |
| Hawaii | $111 |
| Idaho | $101 |
| Illinois | $118 |
| Indiana | $105 |
| Iowa | $99 |
| Kansas | $105 |
| Kentucky | $98 |
| Louisiana | $121 |
| Maine | $92 |
| Maryland | $100 |
| Massachusetts | $113 |
| Michigan | $99 |
| Minnesota | $99 |
| Mississippi | $107 |
| Missouri | $103 |
| Montana | $104 |
| Nebraska | $100 |
| Nevada | $121 |
| New Hampshire | $107 |
| New Jersey | $120 |
| New Mexico | $106 |
| New York | $121 |
| North Carolina | $93 |
| North Dakota | $91 |
| Ohio | $100 |
| Oklahoma | $100 |
| Oregon | $99 |
| Pennsylvania | $124 |
| Rhode Island | $117 |
| South Carolina | $109 |
| South Dakota | $101 |
| Tennessee | $104 |
| Texas | $106 |
| Utah | $102 |
| Vermont | $104 |
| Virginia | $97 |
| Washington | $122 |
| West Virginia | $108 |
| Wisconsin | $104 |
| Wyoming | $101 |
Note: We based these professional liability rates on drone businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Drone business insurance costs vary based on your state, with business owner's policy (BOP) coverage showing the most dramatic price differences. BOP insurance cost ranges from $22 monthly in Maine to $29 in Pennsylvania for the same coverage level.
| Alabama | $24 |
| Alaska | $22 |
| Arizona | $23 |
| Arkansas | $24 |
| California | $27 |
| Colorado | $25 |
| Connecticut | $27 |
| Delaware | $27 |
| Florida | $27 |
| Georgia | $25 |
| Hawaii | $25 |
| Idaho | $23 |
| Illinois | $27 |
| Indiana | $24 |
| Iowa | $24 |
| Kansas | $24 |
| Kentucky | $23 |
| Louisiana | $28 |
| Maine | $22 |
| Maryland | $24 |
| Massachusetts | $26 |
| Michigan | $24 |
| Minnesota | $23 |
| Mississippi | $25 |
| Missouri | $25 |
| Montana | $25 |
| Nebraska | $23 |
| Nevada | $28 |
| New Hampshire | $25 |
| New Jersey | $28 |
| New Mexico | $25 |
| New York | $28 |
| North Carolina | $22 |
| North Dakota | $22 |
| Ohio | $23 |
| Oklahoma | $23 |
| Oregon | $23 |
| Pennsylvania | $29 |
| Rhode Island | $27 |
| South Carolina | $26 |
| South Dakota | $23 |
| Tennessee | $24 |
| Texas | $25 |
| Utah | $24 |
| Vermont | $24 |
| Virginia | $23 |
| Washington | $28 |
| West Virginia | $26 |
| Wisconsin | $24 |
| Wyoming | $23 |
Note: We based these BOP rates on drone businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Drone business insurance costs vary widely by provider, ranging from $38 to $52 monthly. These price differences reflect each insurer's market focus and risk assessment strategies, which shift based on profitability and coverage expansion opportunities.
| Chubb | $52 | $620 |
| Coverdash | $43 | $521 |
| Hiscox | $45 | $535 |
| NEXT Insurance | $41 | $493 |
| Nationwide | $48 | $574 |
| Progressive Commercial | $42 | $510 |
| Simply Business | $44 | $529 |
| The Hartford | $38 | $457 |
| Thimble | $44 | $532 |
| biBERK | $42 | $507 |
Drone business insurance costs depend on multiple factors insurers review when determining your policy rates:
Operating territory impacts insurance costs through airspace restrictions and regulatory complexity. Drone businesses near major airports, military installations or dense urban areas face heightened scrutiny and elevated premiums.
States with emerging drone regulations or high-value property concentrations create different risk environments affecting your rates.
Your flight history and incident record heavily influence insurance availability and pricing. Previous crashes, property damage or privacy complaints remain on your profile for years.
Pilots maintaining FAA Part 107 compliance, logging incident-free flight hours, and documenting safety protocols secure better rates than operators with checkered records.
Pilot headcount and crew composition determine workers' compensation expenses. Solo operators flying part-time maintain lean insurance costs, while companies employing multiple remote pilots, visual observers and data processors see premiums increase.
Ground crew face different risks than pilots, with each role carrying distinct workers' comp classifications.
Additional capabilities beyond basic aerial photography alter your risk profile. Offering thermal imaging, LiDAR scanning or photogrammetry mapping introduces technical failure exposures and professional liability for data accuracy.
Providing editing, 3D modeling or inspection reporting services layers errors and omissions coverage beyond standard aviation liability.
Annual income signals flight frequency and insurance requirements. Weekend pilots earning $25,000 from occasional real estate shoots need basic protection, while full-time operations generating $300,000 through commercial contracts require comprehensive coverage.
Liability limits you establish create major premium variations. Many operations start with $1 million coverage, though commercial clients and certificate of insurance requirements often demand $2 million to $5 million.
Hull insurance protecting your aircraft, non-owned hired drone coverage, and invasion of privacy protection all add costs beyond basic liability.
Your aircraft inventory fundamentally shapes hull and liability insurance costs. Hobbyist-grade drones under $1,000 need minimal coverage, while professional operations flying $20,000+ cinema drones or specialized industrial UAVs require substantial protection.
Fleet size, aircraft payload capacity and whether you carry expensive cameras or sensors all influence premium calculations.
Financial health affects aviation insurance accessibility. Drone operators with excellent credit receive 18% to 40% discounts versus those with credit difficulties.
Strong credit demonstrates business stability in an emerging industry where insurers remain cautious about long-term viability and professional commitment.
Cutting your drone business insurance costs takes smart planning and careful comparison. Our guide helps you find cheap business insurance for your drone operations while improving your overall risk profile and protecting your business as it grows.
Drone businesses require aviation liability to cover property damage and injuries from crashes, hull insurance for your aircraft and expensive camera equipment and general liability for ground-based risks at job sites.
Add professional liability if you provide services like roof inspections or surveying where errors in your deliverables could cause client losses.
Drone insurance premiums differ based on whether you fly for real estate photography, construction site mapping or complex cinematic productions.
Request quotes from three to four providers, comparing price and coverage for international flights, night operations, and flights over people if your work requires these.
Combining aviation liability, hull insurance, and general liability can save 12% to 18% compared to separate policies. Some insurers offer UAV-specific packages that include equipment coverage for multiple drones, batteries and ground control stations at reduced rates.
Bundling ensures coordinated coverage when a single incident involves both aircraft damage and third-party property claims, like crashing into a building.
Hull insurance deductibles of $500 to $2,500 reduce premiums, but choose carefully based on your drone's replacement cost and how often you fly in challenging conditions.
Professional pilots with advanced certifications and clean safety records can often justify higher deductibles for better savings. Keep liability deductibles low since third-party damage claims from drone accidents can escalate quickly, especially if involving vehicles or structures.
Monthly installment plans for drone insurance add 5% to 9% in administrative charges that reduce your per-project profit margins.
Paying annually removes these fees entirely and may earn you a 6% to 8% discount for upfront payment. For a $3,000 annual policy, this combination could save $300 to $500 yearly, which you can reinvest in equipment upgrades or additional pilot training.
Review coverage annually or whenever you purchase new drones, add pilots to your team, or expand into specialized services like thermal imaging or agricultural spraying. If you've obtained advanced waivers from the FAA for operations over people or beyond visual line of sight, notify your insurer as these approvals may affect your premiums.
Drone business insurance costs between $23 and $29 per month, but your exact premium will depend on factors such as location, business size, and claims history. You can often lower your costs by comparing quotes from multiple insurers, bundling policies, selecting higher deductibles, and choosing annual payments over monthly ones.
Drone business owners commonly ask about insurance costs. We answered the most frequent questions below:
General liability is the cheapest at $17 monthly, but most drone businesses need this coverage anyway since it protects against customer accidents and property damage claims.
You'll pay more in these states. General liability in California runs $19 monthly (versus $17 national average), and BOP costs $27 monthly (versus $25 average). New York is similar at $19 and $28, respectively.
Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you package general liability, commercial auto coverage and commercial property insurance with a single provider.
Multiple factors increase premiums: flying in restricted airspace, past insurance claims, operating heavy commercial drones, poor safety records, inadequate pilot training and choosing higher coverage limits.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Select based on your business's financial capacity and expected claim frequency.
Workers' compensation costs for drone businesses vary by state, spanning from $23 monthly in Maine to $31 monthly in New York.
Yes, BOP insurance is worth it for drone companies. At $25 monthly, BOP combines general liability, commercial property, and business interruption coverage. This bundled approach saves money compared to purchasing separate policies and offers valuable convenience for drone businesses.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding services or adding staff.
We collected drone business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small drone business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the drone industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
