FIELD LESSON
Briefing
Start with the mission
Insurance suitability depends on where you fly, why you fly, what aircraft and payload you use, who owns the site, what deliverables you create, and what contract you sign. A generic policy may not cover the job you are quoting.
Ask in writing
Ask the insurer or broker about commercial RPA operations, subcontracting, night work, heavy aircraft, payloads, excluded categories, thermal work, mapping, privacy, data loss, and minimum client liability requirements.
Certificates are part of delivery
Many commercial clients need a certificate of currency before site access. Store the certificate, policy conditions, and broker responses with the mission record.