Yes. You can purchase daily insurance. The last project I did would include 2-3 days of shooting, not necessarily sequential days, with possible weather delays over the course of a week. A month's coverage was about the same as a few individual days, so I took advantage of the extended coverage for roughly the same rate.
I just received a favorable quote that I will most likely accept.
I believe the State Farm policy covers up to $6000 for drone equipment(not liability) for about $70.I insured my Crystal Sky and they asked me if it was only for drone use.I believe it may vary from agent to agent as to what they will cover(odd sounding)and some State Farm agents don't even know about drone insurance.I used Rocco English State Farm Insurance Agent Rocco English in Orlando FL and they were quite aware of the procedure and face timed me to prove I had a functional drone.All done over web+phone.
That seems quite reasonable, but the coverage seems kind of basic. Though I think $500k is an acceptable limit for most general situations I know if you have to fly over/in some venues they require a minimum of $1million liability and demand to be listed as a co-insured. Are you able to increase the coverage on an as-needed basis?
I believe there is no deductible.it's the same as listing camera equipment on your homeowners.All risk,replacement value.
Best by far (IMHO) is Skywatch. They let you pause coverage when you don't require it. SkyWatch.AI - Drone Insurance | Liability & Hull Coverage
I just renewed my $1M liability policy through Liberty Mutual on an annual basis. It is a big chunk out of your pocket for annual, but the costs for short term is beyond ridiculous. Example, my annual renewal was $777 which comes out to $64.75/month. If I wanted that same insurance monthly, it was over $300!!! It all comes down to risk. If you want "short" term (monthly or less), the insurance company knows you'll be flying during this time, so their risk is greater. If you get an annual policy, they (the insurance company) knows you will not be flying every day. They're banking on more "no-fly" days than "fly" days, so their risk is lower. The most important thing to note is that flight liability is not required, at least in most states, to operate commercially. If you are operating commercially, it would be totally foolish NOT to have it. If you don't have insurance, it is possible that some clients will not want to do business with you for that very reason.
I have this policy, as well. I have my Air 2s, Mini2, iPad, LowePro backpack, and various other related items on it. I also had a Mavic 2 Pro on the policy at the same time, but since have sold it. As I've added items, it has never gone up. My agent recently suggested that I add other items, such as jewelry, etc., because the policy allows a certain dollar amount of coverage for the flat $75 annual premium, and I'm leaving quite a bit on the table.
I have the same policy. I currently have my Air 2s, Mini 2, iPad, LowePro backpack, and various other related items on the policy. I also had a Mavic 2 Pro on there at the same time until I recently sold it. The premium never went up from the initial $75/yr. My agent explained that there is a certain dollar amount that the $75 covers. The amount of that that gets "used up" varies with the type of items on the policy. For instance, drones and jewelry don't use it up as fast as firearms.
