Aerial Pak is available to businesses and individuals domiciled within the United States. Coverage is automatically available to U.S. policyholders while operating within Canada and Puerto Rico.

The typical premium for a $500,000 Liability policy and coverage for $10,000 Actual Cash Value aircraft is $1,250 per year.

Depending on the total annual premium, a flexible payment schedule may be available; otherwise, premium is due in full prior to policy activation.

Our carrier's is rated A.M. Best A- (Excellent) VII

Yes. Aerial Pak policyholders further agree to operate all UAV equipment within the guidelines of the RCAPA organization and the FAA.

Aircraft intended for aerial photography, with a maximum payload of less than twenty-five (25) lbs.

Yes. While the Liability policy is broad, it excludes coverage for "personal and advertising injury", which limits the policy to strictly bodily injury or property damage claims-and eliminates coverage for things like invasion of privacy, copyright infringement, and false arrest. Hill & Usher can obtain a separate policy for these exposures when requested.

Hill & Usher is a retail insurance brokerage, specializing in the photographic and media industries. Today, Hill & Usher maintains one of the largest insurance programs in the United States catering specifically to wedding, portrait and commercial photographers. In 2006, Hill & Usher, along with RCAPA, assembled Aerial Pak to provide the first national program exclusively for UAV photographers.

The General Liability policy will protect the named insured and its employees for "bodily injury" or "property damage" claims by the general public. For instance, an Aerial Pak policyholder's aircraft veers suddenly out of control and injures a passerby, shatters a window, or worse. General Liability coverage will pay for an injured party's medical costs or damaged property.

Limits ranging from $500,000 to $6,000,000 for any occurrence/lawsuit are available. For limits greater than $1,000,000, an Umbrella policy will be added automatically.

The standard deductible is $500 on any property damage claim. There is no deductible for bodily injury claims.

Yes. Hill & Usher must issue a Certificate of Insurance to the Additional Insured before coverage may be granted. The annual fee is generally $250 for an unlimited number of Additional Insureds.

Most types of property may be insured under Aerial Pak, including lightweight remote control aircraft, photographic equipment, office contents, computers, and buildings.

$500 per occurrence of loss.

Aerial Pak offers what is known as a "multi-peril" coverage form for covered property. Losses like Fire, Lightning, Wind Damage, Theft, Attempted Theft, Vandalism and Accidental Damage/Breakage, are covered automatically in the policy. Your scheduled aircraft and photographic equipment are also protected against Earthquake and Flood damage. Office contents and computer coverage, however, are not covered for Earthquake or Flood.

Nuclear Events, War, Mechanical Breakdown, damage from Electrical Current, Wear & Tear, Volcanic Eruption, and Dishonest Acts of the insured. The policy should be carefully reviewed for more information. We will gladly provide a sample policy.