I filmed a friend’s wedding for $500. I don’t have my Part 107 license (“It’s just a hobby drone!”). I crashed into a guest. They sued. I submitted the claim to my drone insurance app. They asked for my Part 107 certificate number. I don’t have one.
Key Takeaways
- The “Commercial” Definition: If money (or anything of value) changes hands, or if the flight is in furtherance of a business, it is Commercial.
- License Requirement: Commercial drone insurance policies Require the pilot to hold a valid FAA Part 107 Remote Pilot Certificate.
- No License = No Coverage: If you are flying commercially without a license, you are an uncertified pilot. Insurance denies claims for uncertified pilots immediately.
- The “Hobby” Defense Fails: You cannot claim “Recreational Flyer” protections if you were paid. The intent of the flight determines the rules.
The “Why” (The Trap): “Approved Pilot” Clause
Look at the “Approved Pilots” section of the policy.
It usually says: “Any pilot holding a valid FAA Remote Pilot Certificate.”
If you don’t hold one, you are not an “Insured” under the policy.
It’s like driving a truck without a driver’s license. Insurance doesn’t pay.
The Investigation: “I Called Them”
I checked the app requirements.
1. Verifly / SkyWatch
- Signup: You confirm “I comply with FAA regulations.”
- Claim: They ask for a photo of your Part 107 card.
- Result: No card? Breach of warranty. Denied.
2. Homeowners Insurance
- Scenario: Trying to claim it on personal liability.
- Result: Denied. “Business Pursuits” exclusion.
Comparison Table: License vs. Liability
| Scenario | Part 107 Status | Insurance Outcome |
| Paid Gig | Licensed | Covered |
| Paid Gig | Unlicensed | Denied |
| Just for Fun | Unlicensed (TRUST Test) | Covered (Maybe Homeowners) |
| “Portfolio Work” | Unlicensed | Denied (Still Commercial) |
Step-by-Step Action Plan
- Get the License: It costs $175 and takes 2 weeks of studying. It is the cheapest insurance you can buy.
- Take the TRUST Test: If you are purely recreational, you still need the TRUST certificate. Insurance might ask for that too.
- Don’t Accept Cash: If you don’t have a license, do not accept money, free dinners, or “exposure.” Fly purely for fun, or not at all.
- Upload to App: Upload your Part 107 to the insurance app before the crash. It verifies your eligibility.
FAQ
Q: What if I didn’t cash the check yet?
A: Intent matters. If you agreed to do it for a job, it’s commercial.
Q: Can I fly under my friend’s Part 107?
A: Yes, if the Remote Pilot in Command (RPIC) is present and supervising you directly. The RPIC’s insurance would cover the flight.
[IMAGE: Photo of a Part 107 Remote Pilot Card.]