Aerial Pak - Frequently Asked Questions

Where is Aerial Pak available?

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

What is the typical annual Policyholder Investment for Aerial Pak?

The typical premium for a $1,000,000 per occurrence General Liability policy is $1,250. Should you wish to include a Blanket Additional Insured Endorsement and a Blanket Waiver of Subrogation, the premium would increase to $1,500.

Are payment plans available?

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

What is the rating of Aerial Pak's insurer?

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

Is membership in the RCAPA a requirement for coverage?

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

What type of aircraft can be insured through the program?

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

Are there any exclusions in the Aerial Pak Liability policy about which I should know?

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.

Who is Hill & Usher and how do they fit into this program?

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.

Commercial General Liability Coverage:

What does Aerial Pak's Liability policy actually cover?

The General Liability policy will protect the named insured 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.

What Liability limits are available in Aerial Pak?

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.

What is the Liability deductible?

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

May I name another person or company as an Additional Insured?

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.

What are some common exclusions in the Aerial Pak property policy?

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.

The descriptions of coverage provided to you on this website do not alter or replace the actual policy issued to your firm. For an exact explanation of coverage, please refer to the policy. In the event of a claim, the actual policy in force at the time the loss occurred will dictate coverage and limits.

News & Announcements
The FAA & Aerial Pak (PDF)
Why Choose Aerial Pak? Aerial Pak™ is comprehensive. Designed specifically with the RC operator in mind, Aerial Pak™ combines many property and liability coverages you need into one policy.

Endorsed by RCAPA
Aerial Pak™ endorsed by the
Remote Control Aerial
Photography Association

Have Questions?
Need more information about Aerial Pak™? Contact one of our licensed insurance professionals by phone or email for assistance.
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Phone: (866) 977-4725 | Fax: (877) 956-4418