Spark Insurance
  • Email
  • Phone
    604 699 2259
  • Address
    Suite 1275 Two Bentall Centre
    555 Burrard Street Vancouver
    v7X 1M9

DRONE INSURANCE FOR HOBBY USE

Spark's drone product is brought to you by our partner, Drone Insurance Depot.


Get insured, and fly with peace of mind.

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Even if you’re just using your drone for fun, accidents can be expensive. Hobby drone insurance covers theft or damage to the drone and any ground equipment used to operate it, or any electronics or components (payload) carried. Additional coverage extensions can help, which may include malicious damage, system hacking, and personal injury.

Why do drone operators need insurance coverage?

Though they certainly represent a segment of the marketplace, it’s a misconception to think of drone operators as kids in a park playing with remote controlled toys. “Make no mistake: unmanned aircraft enthusiasts are aviators,” said U.S. Transportation Secretary Anthony Foxx in a press release in December 2015. “And with that title comes a great deal of responsibility.”

Commercial drone operators in Canada have a duty to obtain a Special Flight Operations Certificate (SFOC) from Transport Canada. Transport Canada also requires a minumum of $100,000 worth of liability insurance. Best Buy, one of the largest sellers of drones, devotes a section of its online Drone Buying Guide to flying safely. The retailer refers drone operators to the Academy of Model Aeronautics, which offers general liability coverage up to $2.5 million for bodily injury and property damage.

Insurance is important for both hobbyists and commercial enterprises. “Flying a drone is not much different than driving a car or a boat,” says Karen McGee, vice president of Plus Underwriting Managers in Vancouver, British Columbia. “The exposures are immense.” They include damage to the drone and any attached equipment, such as cameras, as well as liability exposures. “If the pilot is inexperienced, loses control and the drone causes property damage or bodily injury, does he or she want to pay out of pocket?” asks McGee. Plus Underwriting Managers is a full-service managing general agent offering commercial property, liability and professional liability products. It also offers aviation general liability (AGL) insurance. The company receives approximately 100 inquiries a month on drone insurance from broker partners, including Shaw Sabey & Associates in Vancouver.

We offer discounts on the following liability limits on your hobby drone:

  • $100,000 (Transport Canada Minimum)
  • $500,000
  • $1,000,000
  • $2,000,000
  • $5,000,000