FAA 107 Commercial Drone Pilot Practice Exam

What type of insurance is typically recommended for commercial UAS operations?

1. Health insurance

2. Liability insurance

3. Property insurance

4. No insurance is needed

The correct answer is: Liability insurance

Liability insurance is highly recommended for commercial UAS operations because it protects the drone operator against claims for bodily injury or property damage that may arise during the operation of the drone. In commercial settings, where drones are used for activities such as photography, surveying, or inspections, the risk of accidents or unintended consequences increases, making it essential for operators to have coverage that can mitigate financial losses related to these risks. This type of insurance ensures that if the drone causes harm to someone or damages property, the operator is protected financially. It can also provide peace of mind, enabling operators to focus on their work without the constant worry of potential legal claims that could arise from accidents. Additionally, having liability insurance is often viewed favorably by clients and may be a requirement to work with certain businesses, as it demonstrates professionalism and a commitment to safety. While health insurance and property insurance may be relevant to a person's overall well-being and their drone equipment, they do not specifically address the liability risks associated with operating a drone in a commercial capacity. Similarly, the option of having no insurance poses significant risks, as operators could face substantial out-of-pocket expenses in the event of an incident.