It’s a bird! It’s a plane! It’s a drone!

Drones, also known as Unmanned Aerial Vehicles or and/or /Systems (UAV or UAS), are becoming commonplace in many households and businesses. if you use drones for commerecial purposes such as surveying, aerial photography, inspection, farming, law enforcement, energy, real estate  or any other commercial activity, you need to talk to Holman Insurance.

What many hobbyists or companies don’t realize is that Drones are classified as aircraft and there is a potential Drone insurance need. Transport Canada has strict rules governing airspace, owners should also be aware of the potential hazards of operating a drone. Flyaways, when a drone flies off from its operator, can result in bodily injury, property damage, trespassing, and invasion of privacy complaints. Holman Insurance offers Drone insurance for aviation hull and liability to keep your clients in flight.

Our commercial drone insurance includes damage to and loss of the drone, ground station equipment, drone-mounted devices such as cameras, and spare parts. Our commercial drone product helps meet the evolving and future needs of your business.

Program Highlights

  • Privacy/trespass coverage
  • A.M. Best “A” or better-rated markets
  • Coverage provided by one of the largest aviation insurers
  • Ability to tailor a combination of coverage on one policy
  • Larger risks can be considered
  • Defense outside of limits
  • No exclusion for theft or disappearance
  • Coverage is available anywhere in Canada, USA or World-wide


  • Transport Canada
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Transport Canada has particular rules and regulations regarding flying unmanned aircraft.  For example, you cannot fly higher than 90 metres and cannot fly within 9 km of an airport.  If you’re looking to use a drone, which weighs 25kgs or more, you will need to apply for a Special Flight Operations Certificate before you can use it. Drones which weigh between 2.1kg and 25kg might not require a Special Flight Operations Certificate if official exemptions are met. These exemptions include, but are not limited to, such things as age of operator, fly during daylight, keeping your aircraft/drone in direct line of sight and many others.
Transport Canada requires adequate liability insurance, regardless of the size of the drone. Transport Canada also advises a person or company must have at least $100,000 liability coverage. Since Transport Canada requires liability insurance for drone usage, flying without coverage could mean fines or penalties. Using a drone in an unsafe manner could result in local police being called in to determine if laws were broken, including privacy laws and the criminal code.
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