How our coverage works

1. Notwithstanding any provisions to the contrary and subject to clauses 2 and 3 below, your Policy excludes any loss, damage or expense howsoever occurring within the geographical limits of any of the following countries and regions:

• (a)Algeria, Burundi, Far North Region of Cameroon, Central African Republic, Democratic Republic of Congo, Ethiopia, Kenya, Mali, Mauritania, Nigeria, Somalia, The Republic of Sudan, South Sudan.
• (b)Colombia, Peru.
• (c)Afghanistan, Jammu & Kashmir, North Korea, Pakistan.
• (d)Abkhazia, Donetsk & Lugansk regions of Ukraine, Nagorno-Karabakh, North Caucasian Federal District, South Ossetia.
• (e)Iran, Iraq, Lebanon, Libya, North Sinai Province of Egypt (including Taba International Airport), Syria, Yemen.
• (f)Any country where the operation of the insured Aircraft is in breach of United Nations sanctions.

2. However coverage pursuant to this Policy is granted:

• (a)for the overflight of any excluded country where the flight is within an internationally recognized air corridor and is performed in accordance with I.C.A.O. recommendations; or
• (b)in circumstances where an insured Aircraft has landed in an excluded country as a direct consequence and exclusively as a result of Force Majeure.

3. Any excluded country may be covered by underwriters at terms to be agreed by Us prior to flight.

There are other exclusions and restrictions that apply to your policy. Please refer to your policy form for a full description of coverages, exclusions, restrictions and other terms.

THIRD-PARTY LIABILITY

Provides protection against legal liability you may have in the event your UAS ground operations accidentally cause bodily injury to a third party or damage a third-party’s property.

PREMISES LIABILITY

If your primary business is the ownership, maintenance, or use of drones, the Premises Liability Extension provides protection against legal liability you may have if a third party suffers accidental bodily injury or property damage while on the premises you use for piloting, controlling, performing maintenance, or storing your UAS.

PERSONAL & ADVERTISING INJURY

Personal & Advertising Injury provides coverage for your potential liability for several different types of claims, including, among others:

• Claims that your advertisements impermissibly used another’s advertising idea, or infringed upon another’s copyright, trade dress or slogan;
• Claims that you violated a person’s privacy rights via a widely-disseminated publication, causing physical bodily injury, sickness, or disease; and
• Claims for slander, libel, or other disparagement of a person or organization’s products or services.

MEDICAL EXPENSE COVERAGE

Medical Expense coverage helps pay the reasonable medical expenses incurred by you, your relatives, the Additional Insureds designated on your policy, and other specified individuals in the event those individuals sustain bodily injury in an accident involving your drone(s) on your drone business premises.

PHYSICAL DAMAGE COVERAGE

When selected, Physical Damage coverage insures against direct physical loss of, or damage to, the aircraft component of your UAS (including its propulsion system, and any other connected parts or equipment necessary for flight).

SENSOR

When selected, this coverage insures against direct physical loss of, or damage to, scheduled sensors and equipment that you take airborne with your UAS (e.g., cameras, Light Detection and Ranging sensors, etc.).

GROUND EQUIPMENT

When selected, this coverage insures against direct physical loss of, or damage to, scheduled equipment you use on the ground to remotely control, communicate, or review and record data from your drone or its Flight Equipment and sensors.

There are other exclusions and restrictions that apply to your policy. Please refer to your policy form for a full description of coverages, exclusions, restrictions and other terms.

Coverage is subject to exclusions and restrictions. Please refer to your policy form for a full description of coverages, exclusions, restrictions and other terms.