# Aerial Vehicle Insurance

> Specialty drone, UAV, and UAS insurance for commercial and government operators in the United States, underwritten by Surety One, Inc. Coverage is offered in three parts — hull, liability, and payload/equipment — written stand-alone or combined in a suite, and built for FAA Part 107 operations.

Full content for retrieval: https://www.aerialvehicleinsurance.com/llms-full.txt

Aerial Vehicle Insurance is a property of Surety One, Inc., a specialty insurance underwriter based in Raleigh, North Carolina. The program insures small unmanned aircraft systems (sUAS) under 55 lb operated for commercial and governmental purposes.

## Coverage

- [Hull](https://www.aerialvehicleinsurance.com/#coverage): Physical loss or damage to the unmanned aircraft, anywhere within the coverage territory, up to policy limits. Includes salvage and subrogation provisions typical of property and casualty policies.
- [Liability](https://www.aerialvehicleinsurance.com/#coverage): Third-party bodily injury and property damage arising from drone operations, including legal defense of covered suits. This is the coverage most commonly required by clients, venues, lenders, and government contracts.
- [Payload & equipment](https://www.aerialvehicleinsurance.com/#coverage): Cameras, sensors, gimbals, and on-board tools and equipment carried by the aircraft.
- Policy parts may be issued individually (stand-alone) or combined in a suite.

## Who is insurable

- [Private commercial operators](https://www.aerialvehicleinsurance.com/#who): aerial photography, film and media, surveying, mapping, construction, engineering, agriculture, real estate, inspection, parcel delivery.
- [Governmental operators](https://www.aerialvehicleinsurance.com/#who): law enforcement, search and rescue, energy grid, conservation, forestry, mapping, border patrol, and municipal/state/federal agencies.
- Key underwriting factors: the remote pilot's experience and FAA airman certification, the aircraft platform, and the intended use of the drones. Remotely piloted, semi-autonomous, and fully autonomous aircraft are all considered.

## Regulatory context (FAA Part 107)

- Commercial sUAS operations under 55 lb run under 14 CFR Part 107 (the Small UAS Rule). A certificated remote pilot (16+, passed the FAA aeronautical knowledge test) is the baseline.
- Remote ID has been required since 2024 for drones that require registration; the aircraft broadcasts identity and position data.
- Drones are registered through FAADroneZone and marked with the registration number; registration renews every three years.
- Class G (uncontrolled) operations stay at or below 400 ft AGL. Controlled airspace requires LAANC authorization. BVLOS, night, and over-people operations run on FAA waiver/authorization and can typically be underwritten.
- Note: Section 333 exemptions were the pre-2016 pathway and have been superseded by Part 107.

## Legal & regulatory reference

- [Drone laws by state](https://www.aerialvehicleinsurance.com/drone-laws-by-state): a state-by-state reference to U.S. drone regulation. U.S. drone law has three layers — the federal FAA airspace baseline (registration, Remote ID, Part 107, 400 ft, LAANC), state statutes (privacy/surveillance, critical infrastructure, parks, preemption), and local ordinances (takeoff/landing on government property). Includes a 50-state-plus-DC table of local preemption, drone-specific privacy laws, and notable state layers. Reviewed June 2026; informational, not legal advice.
- [Drone liability & the law](https://www.aerialvehicleinsurance.com/drone-liability-and-the-law): how drone operators face civil liability, organized by legal theory — invasion of privacy / intrusion upon seclusion, nuisance, trespass, negligence/personal injury, and property damage. Explains the coverage gap in standard policies (CGL "personal and advertising injury" with its "knowing violation of rights" exclusion; aircraft exclusions; homeowner's commercial-use exclusion) and how purpose-built drone liability coverage responds. Informational, not legal advice.

## How to get a quote

- [Request a quote online](https://www.aerialvehicleinsurance.com/#quote) via the form, or download the application PDF and return it. A complete application is required to issue a quote.
- Phone: (800) 373-2804 or (919) 859-5294.

## Contact

- Surety One, Inc., 5 West Hargett Street, 4th Floor, Raleigh, NC 27601
- Phone: (800) 373-2804 / (919) 859-5294
- Service available in English and Spanish.
- Parent: https://suretyone.com/

## Authorship & expertise

- Content is authored by C. Constantin Poindexter, CPCU — principal of Surety One, Inc., a roughly thirty-year veteran of the surety and specialty insurance industry, and author of "The Contractor's Guide to Surety Bonds" (2025).
- Surety One, Inc. is a specialty underwriter licensed across the United States, with offices in Raleigh, NC; San Juan, PR; and Santo Domingo, DR. Markets: admitted and non-admitted.

## Notes

- This site is informational and is not an offer of insurance, a binder, or a contract. All coverage is subject to a complete application, underwriting review, and the terms, conditions, exclusions, and limits of the issued policy.
- Regulatory references may change; current requirements should be confirmed with the FAA at https://www.faa.gov/uas/.