Commercial Drones

Drone Resource Center

The commercial use of drones presents many opportunities for businesses around the world and those businesses may look to insure such property.

As such, ISO continues to be at the forefront of evaluating drone exposures as they relate to property/casualty insurance.

Topics Impacting Drones
ISO's Emerging Issues team tracks topics impacting the use of drones on an ongoing basis; including the following:

  • Recent Legislation
  • Federal Aviation Authority
  • Potential Exposures & Responses
  • Industry Developments

To learn more, please visit ISO’s Emerging Issues Portal, (ISOnet® log-in required) or follow us on LinkedIn and Twitter.

ISO Coverage Solutions

ISO continues to evaluate drones from the perspective of first-party exposures under various ISO property policies; including Commercial Property, Businessowners, Farm, and Homeowners.

Currently, ISO has developed the following new drone endorsements:

  • Commercial General Liability and Commercial Liability Umbrella/Excess Endorsements:

    A suite of endorsements that will help insurers limit or add limited liability coverage with respect to drones.

    Advisory Policyholders Notices designed to provide information concerning these new endorsements to policyholders upon renewal.

    Also, ISO recently filed additional endorsement options under its Commercial Liability Umbrella and Commercial Excess Liability programs, designed to provide limited following form coverage with respect to unmanned aircraft (proposed implementation: November 2016).


  • Commercial Inland Marine Drone Endorsements:

    We've developed new ISO forms that provide insurers with underwriting tools to address commercial drones, which have developed a wide range of potential and reported uses, including package delivery, crop protection, and aerial photography.

    For enhanced flexibility, the new coverage options allow for drones to be covered under a stand-alone coverage form or by endorsement to some ISO commercial inland marine classes.

    In addition, ISO has introduced a comprehensive advisory application, sample instructions that provide details on some coverage features of the new ISO forms, general underwriting considerations to help evaluate related property drone risks, and loss control recommendations to aid in the mitigation of potential exposures. See Circular LI-CM-2016-001.


  • Commercial Property, Capital Assets, and Agri-CAP® Drone Endorsements

    For our Commercial Property, Capital Assets and Agri-CAP® insurance programs, new ISO forms provide insurers with underwriting tools to address commercial drones, which have developed a wide range of potential and reported uses, including package delivery, crop protection, and aerial photography.

    • LI-CF-2016-224, Commercial Property
    • LI-OP-2016-005, Capital Assets Program
    • LI-AG-2016-004, Agri-CAP®