Commercial drone insurance is usually considered aviation insurance.
Reason I am saying aviation is because once you decide to make the transition to commercial operations, the homeowner insurance companies really do not want the risk. Aviation insurance companies already understand aircraft risk so the transition to drones is actually a little bit easier. In fact, many of the aviation insurance companies have been providing drone coverage for years but on a bigger scale. Just in the past couple of years did they start ripening their “doors” to smaller more general aviation drone operators.
1. Liability
2. Drone hull coverage
3. Extra scheduled equipment
What does aircraft liability insurance protect you from? If you have an accident in your aircraft, the liability coverage will protect you from lawsuits from people who are injured, any of the heirs from anyone that is killed in the accident AND from anyone that has property destroyed or damaged.