We've all seen drones—or unmanned aerial vehicles (UAVs)—being used at events these days, but are they safe? And who is at fault if someone gets hurt while using one?
If you are using a drone for personal (not professional) reasons, you need to check with your insurance agent to see that your homeowners policy provides liability protection. Remember, it is not just physical damage that is at issue: most drones these days are equipped with cameras that have recording options, so make sure you consider the implications of what you are recording and people’s privacy.
Know the updated requirements from the Federal Aviation Administration (FAA) for registering your UAV and abide by all legal requirements regarding where and when you can fly. Pay close attention to regulatory changes on the use of your drones. The standards and rules change periodically.
It is important to note that there is a big distinction between flying a drone for personal use versus commercial use. If you are using a UAV for commercial purposes, talk to your insurance agent about procuring special drone insurance. Without it, you could be flying unprotected. Remember, it is not just physical damage that is the issue.