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Commercial drone insurance

Benefits of the commercial drone insurance - Overview

Drone liability insurance for trade, startups, industry, construction, research, public authorities and organizations that perform security tasks, farmers, freelancers and service providers and voluntary services.

Up to 3 or 10 million Euro insurance sum

In case of doubt we recommend the higher insurance sum. We will assist you when choosing the best insurance sum for your needs regarding the drone liability insurance.

Aerial photographs

Our commercial drone liability includes photographic, film and video recordings.

Number of covered drones

Chose a suitable rate for the number of your pilots and the number of drones that are operated at the same time.

Competent support in case of a claim

In case of a damage claim we are at your side! You report the damage to us, and we take care of the rest.

Worldwide coverage (excluding the USA, countries at war and embargoed countries)

The drone operator liability insurance is valid worldwide. Exceptions: USA, countries at war and embargoed countries. Please observe the local rules and regulations! We have compiled the most important information for Germany and other EU countries in the Information section.

Additional insurance coverage

You can extend your drone insurance at any time, for example with a carrier liability or with a higher take-off weight.

Overview of all benefits

Insurance sum	3.0 Mio / 10.0 Mio €	If you are not sure which insurance sum is the right one for you, we can advise you in that matter.
Annual fee	ab 168,00 €
Is it possible to cover more than one pilot?	###check###	You can choose between one and several pilots in the tariff.
Drone with sensor (e.g., camera)	###check###
Number of covered drones	UAV-Pilot with camera unlimited UAV Special unlimited, max. 1 drone in use UAV Special Plus unlimited, max. 3 drones in use UAV Special 10 unlimited, max. 10 drones in use
Geographical coverage	Worldwide (except in countries of war and embargo, USA only on separate request)	Should you want the USA to be covered, please contact us.
Deductible (for material, personal or financial damages)	None
Absolute liability	###check###	Our insurance for drones in the private area and in clubs includes the required absolute liability and it is a real aircraft insurance.
Is private use included?	###check###
Indoor operation and competitions	###check###
FPV (First Person View) is included	###check###
Deductible (for material, personal or financial damages)	None
Insured take-off weight	up to 25 kg Can be extended to 150 kg
Control with smart phone and tablet	###check###
BVLOS (Beyond Visual Line Of Sight)	###check### with permission	More about special permits
Rented/borrowed models	###check###
Carrier liability insurance	optional
Insurance company for the liability insurance:	Allianz Global Corporate & Specialty SE

Simply and easily calculate the tariff online and get it right away

Go to the tariff calculator

What is covered by the drone insurance of the DMO?

Perfect insurance coverage in the commercial and voluntary area

Personal damages

Material damages

Our liability insurance for the commercial use of drones

Our drone insurances cover many applications in the commercial sector: Measurement and inspection, aerial photo and video flights, documentations, monitoring and surveying, environmental and plant protection, disaster protection and model presentations.

The tariff can be customized to your requirements.

How many pilots/operators should be covered and how many drones are being used at the same time?

Tariff for individuals

1 pilot with drones with camera

Tariff for individuals

Commercial and private use
Unlimited number of insured drones
For 1 pilot
Including photos and film recordings
Ideal for: Repair workshops and traders, volunteers, service providers, freelancers

UAV Special

More than 1 pilot and max. 1 drone being used simultaneously

UAV Special

Commercial and private use
Unlimited number of insured drones, but max. 1 drone used simultaneously.
Unlimited number of insured pilots
Including photos and film recordings
Ideal for: Start-ups, small trades, industry, engineering offices, secondary schools, service providers, public authorities and organizations that perform security tasks, agricultural sector, fawn rescue.

UAV Special Plus

More than 1 pilot and max. 3 drones being used simultaneously

UAV Special Plus

Commercial and private use
Unlimited number of insured drones, but max. 3 drones used simultaneously.
Unlimited number of insured pilots
Including photos and film recordings
Ideal for: Startups, small trades, industry, engineering offices, secondary schools, service providers, public authorities and organizations that perform security tasks, agricultural sector, fawn rescue.

UAV Special 10

More than 1 pilot and max. 10 drones being used simultaneously

UAV Special 10

Commercial and private use
Unlimited number of insured drones, but max. 10 drones used simultaneously
Unlimited number of insured pilots
Including photos and film recordings
Ideal for: Universities, schools, research and development, surveying, monitoring

Our tariff for several pilots operating simultaneously

Many pilots/operators with many drones being used simultaneously

Our tariff for several pilots operating simultaneously

Commercial and private use
for several pilots
each pilot is insured individually
Ideal for frequently changing models: unlimited number of drones being used simultaneously.
Including photos and film recordings
Our discount system: 2 pilots 15%, 3 pilots 30%, 4 pilots 45%, 5 pilots (or more) 60% discount
Ideal for TV channels, rental, volunteering, public authorities and organizations that perform security tasks

We at DMO are not simply your insurers.

As an insurance intermediary with permission according to § 34d (1) GewO (German Trade Regulation Act) we provide you with a drone owner liability insurance tailored precisely to your requirements.

Apart from that, you will always have a dedicated contact partner at your side. From the current drone regulations to the precise prerequisites and requirements for drone pilots: We always keep you up-to-date and are happy to answer your questions.

In case of a claim, we are at your side and take care of the settlement.

Learn more about the DMO

Your advantages with the DMO

Dedicated contact partners

Our dedicated team is at your service. Consultation, insurance and competent help in case of a claim.

Always available

You can contact us by telephone: 49-202-2701770 and by mail: info@dmodirekt․de during our business hours. Usually we will reply within one working day.

40 years of experience

We founded our company with a passion for our own hobby, and this might be one of the reasons why more than ten thousand model sports supporter and commercial users are so satisfied with our services.

Frequently asked questions and answers regarding drones in commercial use

For using a drone or unmanned aircraft for a voluntary service or in the commercial sector you need an insurance coverage which includes more than a private insurance and is tailored to your usage. This insurance will consider how many pilots should be covered, which coverage sum is needed and if you need a carrier liability insurance. We are happy to advise you in that matter.

For commercial drone flights you always need an EU proof of competence, the so-called drone pilot license.

Detailed information about the drone pilot license

You get the European registration number after application at the Luftfahrtbundesamt (German FAA). First you will receive an e-mail.

This will include the login data for your user account in which you can find your personal e-ID. In this user account, you will have to record all future changes, like your changes of address.

More about the e-ID/ unmanned vehicle operator registration

You do not need a flight permit for drones, if they

fly under the open category of the EU drone regulation,
have a take-off weight of under 25 kg
fly within sight range and
in a height of max. 120 m.

You also do not need a permission for a night flight anymore.

Not permitted without prior authorization: flying over crowds, power stations or hospitals on and near airports and local no-fly areas.

You will also need a flight permit if your flight plan does not fall under the open operation category.

Detailed information about the flight permit

Detailed FAQ about drones

This could also be interesting for you

Drone regulation

Drone registration

Drone pilot license

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Drone liability insurance for trade, startups, industry, construction, research, public authorities and organizations that perform security tasks, farmers, freelancers and service providers and voluntary services.

Up to 3 or 10 million Euro insurance sum

Up to 3 or 10 million Euro insurance sum

Aerial photographs

Aerial photographs

Number of covered drones

Number of covered drones

Competent support in case of a claim

Competent support in case of a claim

Worldwide coverage (excluding the USA, countries at war and embargoed countries)

Worldwide coverage (excluding the USA, countries at war and embargoed countries)

Additional insurance coverage

Additional insurance coverage

Overview of all benefits

Personal damages

Material damages

Tariff for individuals

Tariff for individuals

UAV Special

UAV Special

UAV Special Plus

UAV Special Plus

UAV Special 10

UAV Special 10

Our tariff for several pilots operating simultaneously

Our tariff for several pilots operating simultaneously

Dedicated contact partners

Always available

40 years of experience

Which drone insurance do I need for commercial use?

Who needs a drone pilot license?

Where do I get the e-ID for drones?

In which case do I need a flight permit?

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