Who Needs Drone Insurance in Ontario

This coverage is built for you if you rely on your drone for work, projects, or valuable equipment.

  • You use drones for photo, video, inspections, or agriculture
  • You fly near people, buildings, or public spaces
  • Clients or job sites require proof of insurance
  • You operate multiple drones or high-value payloads
  • You need liability protection for commercial work
  • You are looking for UAV insurance or UAS insurance in Ontario
Start Quote

Protecting Your Precious Cargo

Drones are valuable tools, whether you use them for business or recreation. The right drone insurance in Ontario helps protect both your equipment and your liability if something goes wrong. That can include coverage for damage to your drone, protection for your payload, and liability coverage if your drone causes injury or property damage.

We work with multiple providers through our insurers to match coverage to how and where you fly.

What Drone Insurance Can Cover (UAV and UAS)

Drone insurance can be tailored to your setup, whether you are flying recreationally or running a business.

  • Liability coverage
    Helps protect you if your drone causes injury or property damage
  • Physical damage coverage
    Covers repairs or replacement if your drone is damaged
  • Payload and equipment
    Protection for cameras, sensors, or attached gear
  • In transit coverage
    Covers your drone while moving between locations
  • Loss of use
    Helps with rental or replacement costs after a covered loss
Get Drone Insurance Options

Coverage Highlights

  1. Physical Damage

    Our policies safeguard your drone against accidental damage, water damage, or impact events, ensuring your investment remains intact.

  2. Theft Coverage

    Don't fret about theft; our insurance shields you from loss due to theft or vandalism, whether in use or stored.

  3. Payload & Equipment

    We cover your payload and specialized equipment, like attached cameras, sensors, or specialty gear and keep your business running smoothly.

  4. Liability Protection

    We offer liability coverage that protects you in case your drone causes damage or injury to others - essential for commercial operations.

  5. Transportation

    Accidents can occur during transport between job sites or locations.. Our policies extend protection during transit.

  6. Loss of Use

    In the unfortunate event of a covered loss, this covers the expenses associated with temporarily replacing or renting a drone, minimizing disruptions to your operations.

Certificates, Additional Insureds, and Contract Requirements

If you are flying commercially, you may be asked to provide proof of insurance before starting a job. A Certificate of Insurance is a document that confirms your coverage and shows your liability limits.

In some cases, clients or venues may ask to be listed as an additional insured. This means they are added to your liability coverage for that specific job, where applicable.

Liability limits are often chosen based on contract requirements, project size, or the level of risk involved.

  • Certificates confirm your coverage details for clients
  • Additional insureds extend liability protection for others when required
  • Coverage limits can be adjusted based on job needs

We’ll help make sure paperwork matches the job.

Need proof of insurance for a job? Chat with a broker. You can also update your policy.

Trusted Drone Insurance in Ontario

Drone use continues to grow across industries, and having the right protection in place matters more than ever. At PetleyHare, we help match your coverage to how you actually use your drone, whether that is recreational flying or commercial work.

  • Local offices with support across Ontario
  • Licensed brokers who understand UAV and UAS insurance
  • Access to multiple insurers so you can compare options

Learn more about our story and how we support clients across the region.

Start Quote

What Affects Drone Insurance Cost (and What We’ll Ask You)

Drone insurance costs can vary depending on how and where you fly, as well as the value of your equipment.

Pricing Factors

  • Drone and payload value
  • Type of use, recreational or commercial
  • Flight frequency and locations
  • Claims history
  • Liability limits selected

Information We Need to Prepare a Quote

  • Drone make and model
  • Drone and payload value
  • Where and how you fly
  • Number of drones
  • Desired coverage limits
Start Quote

If Something Goes Wrong (Incident and Claims Checklist)

If something happens while flying your drone, here are the first steps to take.

  • Make sure everyone is safe and secure the area
  • Document damage with photos and notes
  • Collect contact details if others are involved
  • Keep receipts for repairs or rentals
  • Contact your broker or insurer as soon as possible
Start a Claim

Drone Insurance FAQs

Have questions about drone insurance? You’re not alone! We’ve heard it all before. That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.

What Is Drone Insurance And Why Do I Need It?

Drone insurance provides coverage for damages or injuries caused by your UAV or UAS. It is essential to protect against potential liabilities and financial losses, especially if you use your drone for commercial purposes or in populated areas.

What Does Drone Liability Insurance Cover?

Drone Liability insurance protects you if your drone causes injury or property damage. It’s essential for commercial pilots and recommended for anyone flying in populated areas or near buildings.

This coverage ensures that you’re financially protected in case of unexpected accidents, giving you peace of mind while flying.

How Much Does Drone Insurance Cost?

The cost of drone insurance varies based on factors like the type of drone, its usage, and coverage limits. Generally, policies can range from a few hundred to several thousand dollars annually.

Is My Drone Covered When I Travel Outside Ontario?

Many drone insurance policies include coverage for drone use not only in Ontario but across Canada and internationally.

However, the extent of coverage can vary, so it’s essential to discuss your specific coverage needs with our knowledgeable team. They can help you ensure that your drone is adequately protected wherever you take it.

Can I Get Coverage For Multiple Drones Under One Policy?

Yes, it is possible to insure multiple drones under a single policy. This option can be cost-effective if you own or operate several drones for different purposes.

Combining them under one policy simplifies the insurance process and ensures comprehensive coverage for all your drones, making it a practical choice for drone enthusiasts and professionals with multiple aircraft.

Is Drone Insurance Mandatory In Ontario?

While not legally required for recreational use, drone insurance is highly recommended in Ontario, especially for commercial operations. It ensures protection against liabilities and may be required by clients or venues.

Does Drone Insurance Cover Cameras Or Mounted Equipment?

Yes, if you include payload coverage, your policy can protect attached equipment like cameras, sensors, or mapping tools. This is especially important for aerial photographers, surveyors, and inspection companies.

Does My Home Insurance Cover My Drone?

In most cases, home insurance may offer limited coverage, but it often does not apply to commercial use or higher-value equipment.

Do I Need Insurance to Fly Commercially in Ontario?

While not always legally required, many clients and job sites require proof of insurance before work begins.

Our Insurance Offices

Get local support in Oshawa, Port Perry, or Coboconk or meet virtually anywhere in Ontario.

Talk to a Broker

Drone Insurance Insights