Airmodo

Frequently asked
questions

ABOUT AirModo

In the United States:

United States Aviation Underwriters, Inc (USAU) as manager of the United States Aircraft Insurance Group (USAIG). United States Aviation Underwriters, Inc (USAU) acts as the licensed agent in each state.

United States Aircraft Insurance Group is a pool of highly rated property casualty insurers that can be found at https://www.usau.com/about/member-companies/

In Canada:

Canadian Aviation Insurance Managers, Ltd (CAIM) serves as manager of Canadian Aircraft Insurance Group (CAIG). Canadian Aircraft Insurance Group (CAIG) is a pool or group of highly rated property casualty insurers that can be found at https://www.usau.com/about/member-companies/

The unmanned aircraft insurance products shown on this site and offered through the AirModo application, are available for sale and distribution in the following states.  (Some products and services may not be available in all states or territories.  If you do not see your state listed keep checking back as we continue to add coverage in states as they become available.)
STATE AirModo Hourly Policy AirModo Annual Policy
ALABAMA    
ALASKA    
ARIZONA    
ARKANSAS    
CALIFORNIA
COLORADO    
CONNECTICUT    
DELAWARE
DIST OF COLUMBIA  
FLORIDA    
GEORGIA    
GUAM
HAWAII    
IDAHO    
ILLINOIS    
INDIANA    
IOWA    
KANSAS    
KENTUCKY    
LOUISIANA    
MAINE    
MARYLAND    
MASSACHUSETTS    
MICHIGAN    
MINNESOTA    
MISSISSIPPI    
MISSOURI    
MONTANA    
NEBRASKA    
NEVADA    
NEW HAMPSHIRE    
NEW JERSEY    
NEW MEXICO    
NEW YORK
NORTH CAROLINA    
NORTH DAKOTA    
OHIO    
OKLAHOMA    
OREGON    
PENNSYLVANIA    
PUERTO RICO    
RHODE ISLAND  
SOUTH CAROLINA    
SOUTH DAKOTA    
TENNESSEE    
TEXAS    
UTAH    
VERMONT    
VIRGINIA    
VIRGIN ISLANDS
WASHINGTON    
WEST VIRGINIA    
WISCONSIN    
WYOMING    

In the United States, the policy is issued by the United States Aviation Underwriters on behalf of the participating underwriting members of the United States Aircraft Insurance Group.  Individual member company ratings and information can be found here.

In Canada, the policy issued by Canadian Aviation Insurance Managers, Ltd on behalf of the participating underwriting member of the Canadian Aircraft Insurance Group.  Individual member company ratings and information can be found here.

You are covered for legal liability for bodily injury and property damage arising out of your ownership, maintenance, or use of the selected and insured unmanned aircraft system.  Premises liability is included and provides liability for bodily injury and property damage arising out of the insureds ownership, maintenance, or use of premises from which you are operating the insured unmanned aircraft system.

No.  This policy provides you with coverage for injury to other people or damage to property of others.  We do not currently offer coverage for physical damage to your owned property.

A user may select from a list of unmanned aircraft weighing less than 55 pounds or 25 kilograms, inclusive of any attached payload or cargo.  The unmanned aircraft must be owned by, rented, or leased under written agreement to you.

We make every effort to keep the list up to date.  If your UAS or drone is not listed, please provide the Manufacturer, Model and Gross Weight of the unmanned aircraft.  We will try to add it to our list for you!

  • Our policy was designed and built specifically for drone operators.
  • Easy to use mobile app.
  • Experience: Many of our underwriters, claims adjusters, and employees are licensed drone pilots and/or manned aircraft pilots. We’ve been insuring drones for several decades!
  • Commitment: We are committed to the rapidly advancing drone industry.
  • History: United States Aviation Underwriters, Inc has been an exclusive aviation underwriter since 1928 and Canadian Aviation Managers, Ltd since 1937. We have insured drones for several decades and are committed to providing best in class drone insurance into the future.
  • You have options! As an operator, we’ve provided you insurance options of either hourly or annual coverage. This will allow you to decide what makes sense according to your operation and cash flow situation.
  • Free Safety and Loss Control Services for every policyholder! We have partnered with the industry experts at Unmanned Safety Institute to provide each of our insureds with credits that may be redeemed for safety courses. Please refer to our website for further information.

Each user must agree to the terms and conditions of AirModo which include compliance with any Federal, State, Provincial and/or local regulations.  The 2018 FAA Reauthorization Act requires that both U.S. recreational or hobby drones as well as U.S. commercial drones be registered and marked.  The Canadian Aviation Regulation Part IX requires all Canadian drones having a maximum take-off weight of 250g or more to be registered.

As often as you want!  There are no restrictions as to how many hourly policies may be purchased throughout the year.   However, if you fly frequently you may want to consider an annual insurance policy through AirModo that provides 365 days of coverage. 

The hourly policy provides coverage for up to 1 mile away from the center point of your selected coverage territory.  If you need a larger area covered then a user may purchase an additional policy covering the adjacent area.   

Our annual policy provides worldwide territory. 

Yes!  We do not surcharge for night flying.  However, you must agree to comply with any federal, state, provincial, or local regulations regarding night flying.  This could include a FAR Part 107 certificate of waiver or authorization issued by the Federal Aviation Administration (FAA) or complying with Transport Canada aviation regulations night flight requirements.

Although the policy does not contain a specific exclusion for BVLOS, by accepting the terms of use for this mobile app you agree to operate your UAS in accordance with all Federal Aviation Regulations and local statutes pertaining to the operation of a UAS. If the conditions of your operations require the UAS be operated within VLOS, then by acceptance of the terms of use, you agree to do so.

Hourly users must select which drone they wish to fly at the time of purchase.  Since the policy is non-cancellable the drone may not be replaced by another drone once the policy is purchased.

Annual policyholders may substitute drones stored in their “My Hangar” portion of the mobile app during the policy term, subject to additional premium if applicable.  

At the time you purchase a policy, you may add an additional insured to your policy.  For annual policyholders, you may add additional insureds at any time during your policy period by clicking on “My Policies” in the menu.

Yes! Please click on “Safety and Loss Control” on the AirModo menu or check out our website www.AirModo.com for more information.

Yes.   If your flight will be in an area that does not have wi-fi or cell coverage please use the pre-purchase option to buy insurance coverage in advance of your flight.

The AirModo app is free to download and use.  You may enter your information to receive a quote without obligation to purchase any coverage, as well as to purchase coverage.

Yes.  When getting a quote for Hourly coverage in the app, you have the option of purchasing a policy for immediate use by selecting “Fly Now” or make your purchase in advance by selecting “Fly Later.”

No.  We do not share your personal information with others, unless required to do so by a court order.  In that event, we will notify you that we have received this order, per our Privacy Policy, allowing you to contest such an order if you so choose.

POLICY

No.  The AirModo policy was written by the aviation insurance experts at United States Aviation Underwriters, Inc managers of United States Aircraft Insurance Group. This policy was designed with the drone operator in mind.  Commercial General Liability or CGL policies are normally designed to cover various non-aviation types of claims in business operations.  Additionally, many CGL policies exclude aviation or drone exposures!

If you are a hobby or recreation user, you may purchase insurance for periods of 1, 4, or 8 hours.  If you need to operate for a longer period of time then you will need to purchase another hourly policy. 

U.S. Commercial drone users operating under 14 CFR Part 107 may purchase either the hourly insurance policy product or an annual policy for the entire year.  Canadian drone users operating for commercial uses may purchase an annual policy for the entire year.

Under the hourly policy, you may select a coverage area up to a 1-mile radius from your selected location.         

Under the annual policy you may operate anywhere in the world.

Unfortunately, AirModo hourly users are offered coverage in the United States only.  AirModo annual users have worldwide coverage but must reside in the United States or Canada and have a valid mailing address in at least one of these countries to purchase coverage.

For hobby or recreation users, legal liability limits of $1,000,000 and $2,000,000 are available.

 For business or commercial users operating under 14 CFR Part 107 or Canadian drone users operating for commercial uses, legal liability limits up to $25,000,000 are available.

Premium is calculated by taking into consideration several factors including your location, liability limit selected, and coverage time period selected by the user.  For the annual insurance option, the number of drones selected to be insured will affect your premium.

Yes, medical payments are included in your policy at no additional premium.  The following limits apply based upon the limit of insurance purchased:

Combined Single Limit

Medical Payment Limit

$1,000,000

$5,000

$2,000,000

$5,000

$3,000,000

$5,000

$5,000,000

$10,000

$10,000,000

$10,000

$25,000,000

$25,000

Yes, personal injury liability coverage is provided.  The hourly insurance option has $100,000 each offense and in the aggregate.   Every AirModo annual policy includes a limit of $1,000,000 Personal and Advertising Injury Liability each offense and in the aggregate.

Among other things, Personal Injury Liability coverage addresses liability claims resulting from invasion of privacy and conditions of slander.  View the Personal Injury endorsement in our sample policy for a full list of insurable offenses arising out of the use of your drone.

You may only register one Named Insured as the primary policyholder. 

You may add additional insureds to your policy for your operation of the unmanned aircraft at no additional cost to you.  However, we will not cover any insured for claims arising out of their liability as a manufacturer, seller, handler, distributor or service facility of aviation products.  You may add up to 5 additional insureds to our hourly policy and as many as you would like on the AirModo annual policy.

Within the AirModo app, you can select “My Policies” under the menu.  Click on the policy you wish to get a certificate of insurance for and then, click “Get Certificate”.  The certificate of insurance will be automatically processed and emailed to you.

No.  Since there is no physical damage coverage available through AirModo a waiver of subrogation is not applicable.  A waiver of subrogation is associated with damage to your drone that someone else has caused.

Yes.  Before purchasing an insurance policy through AirModo, the user must acknowledge that they agree to comply with any Federal Aviation Regulations (US), local, or state laws. 

Yes.  Before purchasing an insurance policy through AirModo, the user must acknowledge that they agree to comply with any Canadian Aviation Regulations, local, provincial or federal laws. 

On the AirModo hourly policy tab you may purchase coverage for only one (1) unmanned aircraft system per policy.

If coverage is purchased on an annual basis, the user may add as many unmanned aircraft systems they wish to insure.    

No.  Indoor operations are excluded from coverage.

No.  Racing, contests, and/or exhibitions are excluded from coverage.

No.  Unmanned aircraft with a maximum takeoff weight of 55 pounds or more, inclusive of payload or cargo are excluded from coverage.

TRIA Coverage is included at no additional charge to you.  You may, however, choose to decline coverage by sending us an email, advising that you wish to decline coverage at:

Email: contact@AirModo.com

As there is no charge associated with this coverage, there is no return premium.

Your policy does not cover damage or injury caused intentionally by you or at your direction except injury to persons resulting from an attempt to prevent a hi-jacking or other dangerous interference with the operation of the unmanned aircraft.

Noise and pollution claims are excluded in certain jurisdictions.  Please refer to the policy documents for your state.

The hourly policy options are non-cancellable and non-refundable policies.   

Our annual policy option may be cancelled midterm.  If a cancellation is requested mid-term, the policy may be subject to a 40% short rate cancellation penalty for the unearned premium remaining, where allowable.

All taxes and fees are included within your policy premium.

CLAIMS

Yes!  We encourage you to file any claims through the mobile app.   If you wish to file a claim via email or telephone you can reach out to us using:

Email:  Claims@AirModo.com

For emergency claim or loss service, call the nearest office

NEW YORK: 212-952-0100
ATLANTA: 404-365-7000
CHICAGO: 312-267-8700
DALLAS: 972-239-7100
LOS ANGELES: 626-229-5200
MEMPHIS: 901-873-0228
SAN FRANCISCO: 415-788-6300
SEATTLE: 206-621-8506
ST. LOUIS: 314-576-2960
TOLEDO: 419-531-7000
TORONTO: 416-865-0252

If you need to report a claim after regular business hours, or on a weekend or holiday, or cannot get in touch with the nearest regional office to your location, please call the following toll-free number.

Emergency Number: 866-789-1986

Refer to your policy for additional details on filing a claim.

a. United States Aviation Underwriters, Incorporated
125 Broad Street, 6th Floor
New York, New York 10004
Telephone: (212) 952-0100 or 1-800-223-6200
Attention: Legal / Regulatory Department

b. In Wisconsin -You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by writing to:
Office of the Commissioner of Insurance
Complaints Department
Post Office Box 7873
Madison, Wisconsin 53707-7873

or you can call 1-800-236-8517 outside of Madison or 266-0103 in Madison, and request a complaint form.

c. In Virginia you may contact the Virginia Bureau of Insurance at:
Property and Casualty Division
Bureau of Insurance
Post Office Box 1157
Richmond, Virginia 23209

Telephones: 1-800-552-7945 (In state toll free calls)
1-804-786-3741 (Out of state calls)

d. In Texas: You may contact the Texas Department of Insurance to obtain information on companies, Coverages, rights or complaints at: 1-800-252-3439.
You may write the Texas Department of Insurance at:
Post Office Box 149104
Austin, Texas 78714-9104
FAX Number (512) 475-1771.

PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim, you should contact the agent or us, the Aviation Managers, first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

e. In Arkansas the following information is provided for your reference and use as may be required:
Arkansas Insurance Department
1200 West Third Street
Little Rock, Arkansas 72201
Telephone: (501) 371-2640 or (800) 852-5494