What it does
CG 21 09 replaces the aircraft, auto or watercraft exclusion so that Coverage A excludes "bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any "unmanned aircraft", regardless of who owns or operates it, including negligent supervision or hiring allegations. It also adds a Coverage B exclusion for unmanned aircraft.
Who needs it
Insureds that fly drones themselves, hire drone operators, or could be held responsible for drone use by employees.
Key provisions and limits
- Coverage A and Coverage B are both affected.
- The 06 15 unmanned aircraft forms split the aircraft, auto or watercraft exclusion into (1) unmanned aircraft and (2) other aircraft, autos and watercraft, keeping the usual exceptions for the second part.
Quoting and selling notes
- Drone use by the insured or its employees then needs aviation (drone) liability coverage.
- CG 21 10 (Coverage A only) and CG 21 11 (Coverage B only) are narrower; CG 24 50 to CG 24 52 give back coverage for designated drones.
