As a professional drone operator, you’re probably getting used to the idea that your drone and equipment come with responsibilities—like not crashing into a tree or drifting into a neighboring field. And let’s be honest, while drone technology is evolving at a rapid pace, insurance companies sometimes feel like they’re stuck in the Stone Age. As we look ahead to 2026, it’s time to put together our wish list of things we’d like to see in the insurance market!
Looking back at the 2025 Season:
First, let’s talk about the most recent season and how that effected drone insurance:
- Parts shortage across the country: It’s not a matter of if your drone will crash, it’s only a matter of when. If you were like many other operators this year, you experienced your drone going down (in some cases through no fault of your own) and we’re unable to get back in the air due to distributors not having the part you needed to get your drone repaired. This caused many issues with the insurance claims process which resulted in lost revenue. VT Insurance worked on finding creative solutions to get guys back in the air or a check in their hand even with the lack of parts. Give us a call today to see how we did it!
- New Underwriting Markets: We are able to successfully bring in new underwriting companies during the 2025 season which had a big impact on reducing premiums. We are hoping to bring in even more for the 2026 season.
- New Drone Manufactures that Entered into the Market: We saw a wealth of new drone companies enter into the market this year! Here is a list of new drones:
- EAVision J100
- Talos T-60X
- Raptor HD 580
- Central UAS PrecisionVision 100X
- DMR Field Ranger 150
- ABZ L30 V2
- Pyka Pelican 2
- Rotor Sprayhawk
- New Insurance Offerings to Meet Contract Requirements: Finding the perfect coverage to meet contract requirements can feel like an uphill battle, especially when contractors are working with spray drones for the first time. VT Insurance Agency has able to bring in new companies to offer policies to meet contractual needs. Some of those offerings are:
- CGL
- Ground Sprayers accompanied by an aircraft
- Property (Building and Support Equipment)
- Pollution (Chemical Spillage)
- Commercial Auto (Owned and Non-Owned)
- E&O
- Higher limits than are typically needed.
Things to look forward to in 2026:
Next, let’s journey down the insurance rabbit hole by exploring what is currently in place and what we should expect for the upcoming season:
- The Current Maze of Regulations: As of 2023, the FAA has impressed us with its efforts to regulate drone usage, but the patchwork of federal rules and regulations can confuse even the most seasoned pilot. In 2026, we want one cohesive rulebook that everyone can navigate with the introduction of the Part 108. This could be pushed back as far as 2027. There will be more to report on in the upcoming months.
- Potential Drone Ban: Politics are going to play a major roll next year. There are threats of a CCP drone ban that could take affect as early as next year. If this were to happen, you’ll want to make sure to have a gameplan for getting into a FAA approved drone ASAP. VT Insurance partners closely with manufactures and distributors to make sure you don’t miss a beat if your drone is suddenly on the unapproved list.
- Insurance Coverage Gaps: Many operators are still unsure what their policies cover. Does your drone policy also cover your truck and trailer set up? Will your policy pay for any injuries to your pilots while on the job? VT Insurance is partnering with companies to make sure you’re covered no matter the situation by offering accompanying policies for coverage gaps or adding endorsements on your existing policy.
- Tech-Savvy Tools: Drones are getting smarter, and so should the insurance! Imagine a system linking your drone’s mission data with real-time insurance adjustments—if you’re flying responsibly, your rates should reflect that.
- Instant insurance policies: VT insurance now has the ability to get end users covered within 30 mins of reaching out to us. As the industry leader in aerial application drone insurance, we have strong relationships with our underwriters and strategic partners within the industry to get coverage instantly for anyone trying to get insurance. Terms and conditions will require you to fly legally either under your own Part 137 and 44807 waivers, or under an approved program set up by VT Insurance and our underwriters.
Why Insurance Matters
You might wonder, “Why should I care about what insurance looks like in 2026?” Well, folks, securing the right insurance means more than just checking a box; it’s about safeguarding your investment—in both time and money. Plus, in a rapidly changing environment, having the right coverage scans can protect you from unforeseen mishaps, whether you’re in a corn field or at a wind farm.
Here’s what’s on the must-have list when it comes to insurance in 2026:
- Comprehensive Drone Coverage: More all-inclusive packages that make operators feel like they’re not just being sold a plan but are genuinely being supported.
- Affordability: Make insurance less of a financial burden. There are big things coming in 2026 in the form of discounts and other programs we’re putting together to save you money here at VT Insurance.
- Trusted Experts in Drone Insurance: VT Insurance has an experienced group of agents from across the country that specialize in this type of insurance.
Conclusion & CTA: As we look toward 2026, we see a future where drone operations and insurance glide together smoothly, much like you and your drone cutting soaring across the fields. If you’re ready to protect your flying equipment, give us a call today!
Contact VT Insurance Agency for expert advice tailored to your specific drone needs. Because when it comes to insurance, it’s better to have it and not need it than to need it and not have it—especially when your drone has a mind of its own!
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