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.
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).
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.).
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.