Unmanned Aircraft

A Product of Atlanta Life General Agency, Inc

Through Atlanta Life’s exclusive UAS insurance carrier, USAIG, we can address your UAS commercial coverage needs with an innovative, state of the art UAS insurance program, at industry best pricing and coverage.

Unmanned Aircraft Systems (UAS), also known as Drones or UAVs, are ubiquitous on college and university campuses today. Usage continues to rapidly expand to include academic, marketing and recreational uses. Students, faculty members, and staff continue to discover beneficial ways to use UAS technology. Along with the benefits of drone technology also comes significant exposures that must not be ignored.

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From the invasion of privacy effecting residential students to violating Federal Aviation Administration (FAA) regulations for flying heights, the exposures stemming from UAS usage are immense. In 2016 alone there were over 1,800 reports of UAS near misses with commercial aircraft. Given these potential exposures it is important that you have an all-encompassing UAS-specific insurance policy to protect your college or university.

Atlanta Life’s Aviation broking team has been in front of the emerging UAS market from the onset. We quickly identified the need for an industry leading UAS insurance product that would provide less restrictive policy wording, make the cost more competitive and create a seamless process for policy placement for all parties involved. For this reason, Atlanta Life developed the Unmanned Aircraft Insurance Program to support our higher education clients with Owned and Non-Owned UAS exposures.


Program benefits include:

  • The ability to provide industry leading coverage and pricing for owned UAS, non-owned UAS or even unknown UAS exposures.
  • A quick and easy quoting system
  • An all-encompassing policy form providing the best available coverages and limits.
  • Up to $300,000,000 per occurrence Liability Limit
  • Physical Damage Coverage for drones and other drone equipment, including research and photography on a scheduled or blanket basis
  • Option to insure UAS on a blanket liability basis instead of scheduling each owned UAS
  • The broadest definitions of UAS usage, piloting, scheduled craft and insured

Coverage includes the following:

  • Personal and advertising injury (privacy coverage) matching the UAS limit of liability up to $25M
  • War and Terrorism write backs on hull and liability
  • Non–Owned UAS Coverage (both Liability and Physical Damage)
  • Premises Liability matching UAS limit
  • Medical Expenses
  • Blanket Additional Insured wording
  • Inadvertent Errors and Omissions language included
    within the policy
  • No exclusion for liability for loss of use or consequential

Additional Program Benefits are:

  • UAS Safety and Loss Control Services through ARG/ US Unmanned Ground School (online) courses at no charge for Risk Management personnel, faculty, students or clubs
  • Options for a two or three year fixed premium policy (with caveats only dependent upon material change in risk)
  • Option to insure UAS on a blanket liability basis instead of scheduling each owned UAS
  • Simple Application Form will need to be completed and filed but is not required to bind coverage
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Atlanta Life General Agency, Inc. is a wholly-owned subsidiary of Atlanta Life Insurance Company and is an agency licensed to sell Life, Health, Property, and Casualty for both Personal and Commercial Lines of insurance.