What Operator Is Covered?
James Meade 01/14/2014 @ 10:45am
I'll be interested to see what the insurance companies write into the liability coverage in terms of operator qualifications and competence. Will the insurance company require that the Unmanned Aerial System (UAS) be operated in accordance with FAA and other applicable laws and regulations to have coverage in effect? Or can anyone pick up the controller and fly a UAS over your or someone else's property any way they wish?
If you hire someone to fly a UAS over your own property to check your crops and there is some injury to an adjacent property, for example if the UAS fails to respond to the controls and flies into the neighbor's house or cow, will your present liability coverage protect you? Will the operator's coverage protect you? What if the operator has no coverage? Do you have any risk in such a situation?
I will be interested to see what caveats the insurance companies write into the policy. Right now, it is virtually impossible to conceive of a situation where insurance can cover a commercial operator and it may not be possible for insurance to cover a private operator on his own farm as the very act of crop scouting from a UAS will be considered commercial use by the FAA.
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