Owned aircraft, non-owned aircraft, drones, hull, liability, premises, products, and professional services may require different forms.
Transportation and Marine
Aviation and Drone Insurance.
The aircraft may be small. The airspace, operator, payload, and contract exposure are not.
Aviation insurance can address covered aircraft hull, passenger, airport, third-party, non-owned aircraft, and aviation-related liability exposures. Drone coverage may address unmanned aircraft liability and equipment, subject to the operator, aircraft, mission, airspace, territory, waivers, contracts, payload, data use, and regulatory compliance.
Placement context
Facts to confirm before applying.
A camera drone used for real-estate photos is not the same risk as a drone inspecting power lines beyond visual line of sight. Start with the mission. Then identify the aircraft, operators, airspace, payload, customers, waivers, contracts, and where a crash or bad data could cause harm.
Coverage scope
What the coverage may address.
Pilot qualifications, aircraft specifications, maintenance, mission, waivers, and territory are central facts.
Privacy, cyber, media, professional, contractual, and product exposures can sit beside the physical aviation risk.
Placement factors
Facts that affect placement.
- Commercial drone operations, non-owned aircraft use, specialized missions, or difficult aircraft
- Night, urban, industrial, event, utility, or public-safety operations
- Passenger, airport, hangar, products, maintenance, instruction, or aerial-work exposure
- High limits, international territory, contract requirements, prior incidents, or new operators
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Describe the flight from mission planning through data delivery: aircraft, operator, airspace, payload, customer, contract, controls, incident history, and every coverage expected to respond.
Include these facts
- Aircraft or UAS schedule with make, model, serial, value, ownership, and use
- Pilot roster with certificates, ratings, hours, training, and loss history
- Mission, airspace, radius, territory, waivers, payload, customers, and contracts
- Maintenance, safety, incident, privacy, data, and emergency procedures
Resolve these questions before market review
- What mission is performed and what can be damaged if the aircraft, operator, or data fails?
- Who owns, controls, maintains, and operates each aircraft?
- Which airspace, waiver, payload, territory, or contract creates the hardest exposure?
- Does the insured need aviation, professional, cyber, or privacy coverage, or all four?
Submission errors
Avoid these three issues.
- Describing the account as drone photography without mission, aircraft, operator, or airspace detail
- Assuming a general liability policy covers aircraft or drone operations
- Leaving non-owned aircraft, subcontracted pilots, privacy, or data-delivery exposure out of the file
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Non-owned aircraft liability
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Full active appointment appetite
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageProfessional and Cyber
Miscellaneous Professional Liability
The insured's promise is the exposure. Define the service before trying to insure the mistake.
Open coverageProfessional and Cyber
Cyber Liability and Technology E&O
Cyber pays for the event. Tech E&O answers for the service failure. Many technology companies need both stories told.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.