Drone Insurance Calculator

This calculator separates commercial drone coverage into hull (physical damage to the drone) and liability (third-party harm) premiums, then applies fleet-level adjustments. Hull premium starts at a flat 8% of each drone's replacement value, multiplied by a use-case risk factor that ranges from 1.0x for photography/survey work up to 1.8x for public-safety or night operations, and then adjusted by flight hours through a logarithmic factor (flying far more than 100 hours/year nudges the rate up, but with diminishing effect, floored at 0.8x so light usage can't push the rate below 80% of base). That per-drone hull premium is multiplied by your fleet size to get total hull cost.

Liability premium is priced independently at roughly $450 per $1M of coverage, scaled by the same use-case risk multiplier — so a delivery operation pays proportionally more for both hull and liability coverage. Two adjustments apply to the combined subtotal: each prior claim in the last three years adds a flat 15% surcharge that stacks additively rather than compounding — two prior claims add 30% together, not a compounded 32.25% — and fleet size earns a discount of 5% per drone beyond the first, reaching the 25% cap only once you reach six or more drones (a five-drone fleet lands one increment short, at 20%). Keep in mind this is a simplified rating model for comparison purposes, not an actual underwriting quote — real insurers also weigh pilot certification, geofencing/FAA waiver status, and specific flight logs that this calculator doesn't collect.