UAS with a maximum take off weight (MTOW) greater than 150kg are regulated and certified by the European Aviation and Safety Authority (EASA).  These aircraft however if flown in the UK still have to comply with the CAA's Air Navigation Order 2009 (ANO2009).

Whether flown in the UK or Europe their aircraft require to be properly insured.  As the intended applications for these larger UAS are probably different to most other commercial aircraft operations, insurance policies can be designed specifically to meet the operators' third party liabilities when operating in a civil commercial, Governmental or Emergency Services environment.

Providing substantial third party liability cover, the policy will aim to provide an equivalent level of coverage as that required by and currently provided to the manned aviation fraternity: it provides the cover necessary to meet the regulatory requirements of the operating environment and, as importantly, the risk transfer that is so important for any commercial operation. Additionally, applicants may opt for additional protection against risks including physical loss/damage of the UAS during operation, Storage and Transport.

UAVS Members, Windsor Partners, a licensed insurance broker, and Kiln Group, leading aviation underwriters, have combined to address the insurance requirements of this UAS sector. Windsor Partners Ltd (Windsor) is authorised and regulated by the FSA firm ref no. 467731. Operating out of offices in the UK, Guernsey Germany and Canada it wholesales and retails insurance services to partners and clients throughout the world. Established in 1933, Windsor is recognised for its specialist classes of expertise by many global clients including Government departments for its risk expertise including Liability, and Aviation as well as several industry sectors including Aerospace, Defence and Security. Kiln is an international insurance and reinsurance underwriting group. Since 1962, it has built its business on the strength of its underwriting and its relationships. Kiln is part of the Tokio Marine Group. In Lloyd's it manages five syndicates and, in terms of capacity, is one of the largest trading agencies. In addition to the UK, Kiln has offices in Hong Kong, Singapore, South Africa, France, Belgium and Brazil. A recognised leader in each of the six main business areas in which it operates: reinsurance, accident and health, aviation, marine, enterprise risk, and property and special lines, Kiln syndicates benefit from a security rating of ‘A+'(Strong) assigned to Lloyd's by Standard and Poor's. Kiln's Aviation team have provided consistent and innovative service since 1977.

To make an initial enquiry regarding Larger UAS Insurance, click here.  To see the policy provisions offered by Windsor and Kiln for Light UAS, click here.