Coverdrone Launches New Chemical and Cargo Liability Insurance for Commercial Drone Operators in 2026
Coverdrone will introduce new Chemical Liability and Cargo Liability insurance options for commercial drone operators starting January 1, 2026. These policies address risks from diversifying drone operations, such as agricultural spraying and logistics. Chemical Liability covers third-party damage from chemical drift, while Cargo Liability protects non-perishable goods during transport or storage. This initiative aims to support safe, compliant, and responsible flying in specialist drone applications, providing essential reassurance for operators in complex tasks.
Starting January 1, 2026, Coverdrone is significantly enhancing its insurance offerings for commercial drone operators with the introduction of two critical new options: Chemical Liability and Cargo Liability. This strategic expansion is a direct response to the increasing diversification and specialization of drone operations across various sectors, including agriculture, land management, logistics, engineering, and inspection. As drones undertake more complex tasks, operators require tailored protection.The Chemical Liability option provides crucial coverage for Bodily Injury and Property Damage to third parties, encompassing livestock and crops, caused by chemical movement beyond the intended spraying area during aerial application. This includes intentional spraying or spreading of fertilizers, herbicides, pesticides, and seeds, with a strong emphasis on operators adhering to all statutory and regulatory requirements. Examples illustrate protection against damage to neighboring land from chemical drift.Simultaneously, the Cargo Liability insurance is designed to protect cargo under the operator's care, custody, or control during drone transport or ground storage throughout the delivery process. This coverage begins from the item's acceptance and extends until final delivery or handover to a subsequent carrier. It specifically excludes perishables, livestock, money, jewelry, precious materials, and consequential loss, focusing instead on non-perishable, non-hazardous items like tools, components, and medical devices. Andrew Heath, Director at Coverdrone, emphasized that these new options ensure insurance keeps pace with industry expansion, offering vital reassurance for operators and supporting safe, legal, and responsible flying. These options will be available to all Coverdrone commercial policyholders.
