Insurance For Part 107 Certified Pilot

[FlierX]

Are there policies out there, whether through State Farm or other companies, for someone with a Part 107 certification? I do not have it yet but I am working on it and hope to take the test within the next couple of weeks. What happens if I insure it though State Farm through a Personal Articles Policy, get my certification, and then have to file a claim? Will they cover it?

Thanks.

 

[GadgetGuy]

Are there policies out there, whether through State Farm or other companies, for someone with a Part 107 certification? I do not have it yet but I am working on it and hope to take the test within the next couple of weeks. What happens if I insure it though State Farm through a Personal Articles Policy, get my certification, and then have to file a claim? Will they cover it?

Thanks.

Should be fine, as long as not used for business. Most recreational fliers technically need a Part 107 anyway.

 

[HoozierDroneDaddy]

State Farm has said they will not cover any drone used for commercial work (Part 107). They further explained that even if you are flying for a Hobby, IF the drone in question has ever been used for commercial work, they will not pay. So if you get a Personal Articles Policy now, you will be covered, but once you get your Part 107, they will no longer pay any claims. So if you get a drone and insure it through SF, and you want to keep that coverage, don't use that drone for any commercial work. If you do get a SF policy, I would have them spell out in writing what they will allow for the drone covered.

 

[GadgetGuy]

State Farm has said they will not cover any drone used for commercial work (Part 107). They further explained that even if you are flying for a Hobby, IF the drone in question has ever been used for commercial work, they will not pay. So if you get a Personal Articles Policy now, you will be covered, but once you get your Part 107, they will no longer pay any claims. So if you get a drone and insure it through SF, and you want to keep that coverage, don't use that drone for any commercial work. If you do get a SF policy, I would have them spell out in writing what they will allow for the drone covered.

Since Part 107 is no longer synonymous with commercial work, given that most recreational flyers technically should be flying under Part 107, should there be a claim, the burden would be on State Farm to prove you had or were flying commercially to deny coverage. I agree, though, don't use it for commercial work.