Typically, business insurance policies exclude coverage for drones. Drone insurance is a separate insurance policy that provides commercial drone operators protection against accidental injuries or damage inflicted by their drone. It primarily covers third party liability claims against business owners, and more infrequently damage to the drone itself. Some example of drone liability claims: While on a job, your employee gets distracted and crash your drone into power lines and causes power loss to hundreds. A drone struck a bridal family member in the eye, blinding him in that eye. You are sued for violating someone's right to privacy while using your drone (e.g., you may inadvertently film someone changing from a window of a house you fly by). The cost to insure your drone for your business varies depending on the type of drone, what kind of work you intend to do with the drone, how much experience you or your employee(s) have flying drones, and the general location where the drone will be used (e.g., crowded city vs. farmland). There are two ways you can purchase drone insurance: (1) A one year policy or (2) a la carte with an hourly policy.