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Drone insurance – obligation for everyone

by Fabio Affortunato
Drone Insurance
Reading time / Tempo lettura : 3 minutes / minuti

Insure the drone

Drone insurance – professional or leisure – has always been considered by many to be something not strictly necessary.

In fact, many still do not know that article 32.1 of the ENAC edizione 3 regulation, which came into force on 15 December 2019, requires insurance for all types of drones, that is, for all drone pilots.

But let’s see in detail why, in fact, drone insurance is mandatory for all models.

Drone insurance – The law

Referring to what it was before December 15, 2019, there were basically 2 categories of drones: that of professional drones SAPR (Remote Piloted Aircraft System – see also glossary), and model airplanes, to which drones for leisure were equated. The insurance was therefore mandatory only for professional drones, not for drones used for leisure.

The entry into force of article 32.1 specifies that all drones that have features designed for automatic flight (see flight planner), must be insured. Therefore, with the exception of toy drones, all drones, even for leisure, can be “programmed” for automatic flight, through one of the many apps for iOS and Android, and therefore are in fact subject to drone insurance.

Having clarified this aspect, let’s see what coverages are needed in the two different hypotheses of a professional drone and a leisure drone.

Professional drone insurance coverage

In consideration of the fact that a professional drone carries out specific activities such as surveys, inspections, mapping, etc., and that the pilot, equipped with an adequate license, can also fly over situations with the drone where there are people-things, the type of policy civil liability is required with good ceilings.

Drone Professionale

Image professioanl drones  – Image from pixabay.com free for commercial use – Author DJI-Agras

In addition to this, in consideration of the fact that a professional drone has a decidedly high cost, and that it can sometimes carry extremely sophisticated and expensive payolads, it is good practice to have a policy that includes both the drone insurance (damages, falls, etc.) that the payload insurance (damage). These are generally referred to as ancillary policies. There are several companies that offer solutions for professional drones, some of them are present in the Assicurazioni droni section of the 4mydrone.com website.

Dji Zenmuse X4s Video camera gimbal 3 3 axes for drones

Professional payload – Zenumuse X4S – gimbal 3 axes – Source DJI store

Drone leisure insurance coverage

A leisure drone, according to its definition, should not be used for carrying out critical operations, and therefore a simple civil liability is sufficient to fulfill legal obligations. However, in consideration of the fact that, both with the so-called “trecentini“, and now with the 250 grams drones like the Mavic Mini, it is possible to carry out some activities such as inspection or survey, the owners of drones of this type, who use them for professional activity it is good that they evaluate policies with adequate ceilings as a consequence of the use they will make.

Drone Tempo Libero

Leaisue drone – Image from pixabay.com free for commercial use – Author S. Hermann & F. Richter

It is also important to underline that the minimum ceiling, as underlined in article 7 of the ENAC Regulation (EC) 785/2004, must be at least 800,000 euros.

Online insurance for drones

In consideration of the business opportunity, many insurance companies have included ad hoc policies for drone pilots in their portfolio. Several companies also allow you to take out the policy online. In this regard, I suggest you read the blog article “Assicurazioni droni-Sapr online“.


Flying safely is therefore not an option, but a must to be satisfied by all drone pilots. In consideration also of the new rules that will be in force from next July 2020, it is recommended to insure your drone as soon as possible!

Note regarding the images: The images showed in the article are taken from pixabay.com, and are free for commercial use, with no attribution request. The professional payload image – Zenumuse X4S – is taken from DJI Store. Each image however mentions the author who is the legitimate owner. The use of the images is exclusively for the purpose of a better understanding of the contents of the article. The featured image was created by 4mydrone.

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Last Updated on/Ultimo aggiornamento – 13/07/2020

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