Commercial Drone Insurance

Coverage Overview

The use of drones is taking off (pun intended), and with that so are the risks associated with operating them as a commercial business. Drones have invaded the motorsports industries as they serve an important tool for promotional material. Many hobbyists or companies do not realize that drones (otherwise known as Unmanned Aerial Systems) are actually classified as aircraft. This poses a problem for commercial businesses as many general liability products exclude aircraft from their policies. 

Aside from the United States Federal Aviation Administration's part 107 rules, operating a drone can pose a serious risk should an inflight emergency (such as a flyaway, motor loss, etc.) arise. If this does occur, the drone operator is responsible for any damages resulting in bodily injury, property damage or legal complaints received. National Motorsports can provide coverage for your commercial drone operations.


Program Highlights

  • Privacy/trespass coverage
  • A.M. Best "A" or better-rated markets
  • Coverage provided by one of the largest aviation insurers
  • Strong partnerships with the UAS trade and regulatory associations
  • Ability to tailor a combination of coverage on one policy
  • Larger risks can be considered
  • Defense outside of limits
  • No exclusion for theft or disappearance
  • Available nationwide

Target Classes

Operators of unmanned aerial systems and commercial use:

  • Law enforcement
  • Energy/oil and gas
  • Real estate
  • Public entity
  • Search and rescue
  • Agriculture
  • Forestry
  • TV and film

Coverages

  • UAS Hull & Liability
    • Standard limits to $5,000,000
    • Excess limits to $75,000,000 (higher limits available, call for details)
  • Personal Accident
  • Onsite General Liability: limits of $1,000,000
  • Privacy/Trespass: limits of $1,000,000
  • Cyber
  • Warranties

Requirements

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Applications for Insurance

Applications for Daily Event or Practice Coverage

For any single or multi-concurrent day event / practices at an already approved location, the short application must be filled out. If this is an AMA approved event, please skip down to the sanctioned event application.

pdf
File Name: Event-Short-Application.pdf
File Size: 285 kb
Download File

Applications for New Location Daily Event or Practice Coverage

If you have not obtained coverage for insurance from National Motorsports within the last 365 days, please complete the following applications.

If you are planning on having sanctioned events, please fill out the sanctioning body event application below.

pdf
File Name: Event-Long-Application.pdf
File Size: 876 kb
Download File

If you're planning on having any sanctioning body approved events at your location and you intend to have National Motorsports insure these events, please fill out this application.

Application for Park / Facility Coverage

Are you looking for annual practice, park or facility coverage? Download and complete the following applications.

pdf
File Name: Facility-Application.pdf
File Size: 1.1 mb
Download File

Application Club Coverage

If your club is looking for annual liability coverage, please fill out the following application.

file
File Name: General-Application---Club-School.pdf
File Size: 1.3 mb
Download File
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Contact Us

National Motorsports has been providing event liability insurance for over 20 years. Our agents and staff are here to serve your insurance and off-road event needs! 

Monday - Friday, 9am to 5pm CST.

National Motorsports Services
1539 North 33rd Place
Suite A
Sheboygan, WI 53081 

Phone: 888-470-3966 

Phone: 920-694-0581 

Fax: 888-649-0676 

info@nationalmotorsports.com

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Event Coverage

Spectator Liability: This is to protect you from liability suits arising out of injury to your spectators and any property damage to their property. Remember that a spectator is a spectator only so long as he or she is in the "spectator area". Once they go into the "pit area" or the "competition area", they are now required to sign a waiver release, the same as a contestant or worker and quite possibly will no longer be considered a spectator.

Participant Legal Liability: This is to protect you against liability suits brought by your participants and workers or anyone else who is in the "pits or competition area" that is injured and brings a liability suit against you claiming that your negligence caused them to be injured. It is vital that you have each of these people sign a waiver release upon entry to the area or your coverage could be negated.

Products Liability: This protects you from liability arising out of sale of souvenirs or food products.

Personal Injury: This protects you against suits brought as a result of false arrest, malicious prosecution, oral or written publication that libels or slanders a person and is considered an invasion of their privacy. This coverage involves the intangible emotional and mental interest that are invaded or violated.

Risk Management & Safety Rule Suggested Guidelines for Competition Participants

Note that the event / race liability plan is designed to provide protection for and to the competition event participants. Other policies will have different criteria and standards to follow.

As additional insured's, our policy contract also provides protection for any person or organization engaged in operating, managing, sanctioning, or sponsoring the covered program. Participants have coverage but only with respect to bodily injury or property damage to persons other than any other participants, competition vehicle owners, competition vehicle owners, competition vehicle sponsor or employee. Any competition owner and competition vehicle sponsor is covered only with respect to bodily injury or property damage to persons other than any participant, competition vehicle owners, competition vehicle sponsor or employee.

As it applies to race day / event day coverage, we do not provide liability protection on behalf of the spectators as they may have access to and ride their own off-highway vehicles (OHV). Underlying coverage may exist under a separate policy plan if the landowner has secured and paid for facility park insurance or under the individual OHV owners / riders personal liability plans, subject to the conditions and policy terms therein.

As such conditions apply, it is important to curtail and limit OHV access in the spectator viewing area(s). The spectator area should be well designated and defined, protected from any vehicular traffic of any sort. This is often accomplished by establishing an OHV corral policy, an area designated for event spectators for their own machines, enforced by event marshals and/or club event courtesy patrols.

The participants must be allowed to read and then sign the race / event waiver. For minors under the age of 18, the parent and minor must also sign a different waiver. Any spectator that has access to the participant pit area is no longer deemed a spectator but a participant, thus requiring their reading of the waivers and agrees to the terms therein.

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Getting Started with National Motorsports

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Annual Practice Coverage

Our annual practice and facility coverage allows you to keep your gates open 365 days a year as long as you have the staff to operate!


Annual Coverage Includes:

  1. Spectator Liability: This is to protect you from liability suits arising out of injury to your spectators and any property damage to their property. Remember that a spectator is a spectator only so long as he or she is in the "spectator area". Once they go into the "pit area" or the "competition area", they are now required to sign a waiver release, the same as a contestant or worker and quite possibly will no longer be considered a spectator. 
  2. Participant Legal Liability: This is to protect you against liability suits brought by your participants and workers or anyone else who is in the "pits or competition area" that is injured and brings a liability suit against you claiming that your negligence caused them to be injured. It is vital that you have each of these people sign a waiver release upon entry to the area or your coverage could be negated. 
  3. Products Liability: This protects you from liability arising out of sale of souvenirs or food products. 
  4. Personal Injury: This protects you against suits brought as a result of false arrest, malicious prosecution, oral or written publication that libels or slanders a person and is considered an invasion of their privacy. This coverage involves the intangible emotional and mental interest that are invaded or violated.

Risk Management & Safety Rule Suggested Guidelines for Competition Participants 

Note that the event / race liability plan is designed to provide protection for and to the competition event participants. Other policies will have different criteria and standards to follow. 

As additional insured's, our policy contract also provides protection for any person or organization engaged in operating, managing, sanctioning, or sponsoring the covered program. Participants have coverage but only with respect to bodily injury or property damage to persons other than any other participants, competition vehicle owners, competition vehicle owners, competition vehicle sponsor or employee. Any competition owner and competition vehicle sponsor is covered only with respect to bodily injury or property damage to persons other than any participant, competition vehicle owners, competition vehicle sponsor or employee. 

As it applies to race day / event day coverage, we do not provide liability protection on behalf of the spectators as they may have access to and ride their own off-highway vehicles (OHV). Underlying coverage may exist under a separate policy plan if the landowner has secured and paid for facility park insurance or under the individual OHV owners / riders personal liability plans, subject to the conditions and policy terms therein. 

As such conditions apply, it is important to curtail and limit OHV access in the spectator viewing area(s). The spectator area should be well designated and defined, protected from any vehicular traffic of any sort. This is often accomplished by establishing an OHV corral policy, an area designated for event spectators for their own machines, enforced by event marshals and/or club event courtesy patrols. 

The participants must be allowed to read and then sign the race / event waiver. For minors under the age of 18, the parent and minor must also sign a different waiver. Any spectator that has access to the participant pit area is no longer deemed a spectator but a participant, thus requiring their reading of the waivers and agrees to the terms therein.



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