badbrad97 said:
RobertMfromLI said:
I do. $1 million through the AMA, a $2 million policy for personal liability, and a $2 million policy for general/professional liability. While I've never come close to landing/crashing near a building or person, I still take this hobby very seriously. At $87 a month (plus 1 year AMA membership fees), to me, it's worth the peace of mind (for at least the property damage part - because I still dread ever hurting someone with the copter).
I have tried several agencies and none of them where able to cover damage from RC craft. I had looked into AMA coverage, but if I remember it didn't cover you if you were doing it commercially. I would like to find out more information from you. I wouldn't mind paying, if I could get coverage. I have liability and workman's comp for my photography business, but my agent says that covering my quad is a stretch.
AMA, as you noted, covers "enthusiast/hobbyist" flying but not commercial - nor does it cover the copter itself. My Hiscox plan does not cover damage to equipment, but could (I chose not to cover the copter, or my dSLR's - something I plan on reconsidering as I get more work). It does cover rented equipment though.
If you have a Geico policy, you can "apply" directly through the Geico website (there will be a link for business policies), or, you can go to Hiscox directly. Or, you can find other insurance companies, because I am sure that the Geico/Hiscox partnership is far from the only company that provides such insurance.
Best,
Rob