TDC Insurance

Index
Current CoverageCoverage Database# TDC Insurance Reference Wiki
This wiki section is the operating reference for Texas Drone Company’s insurance policies, COI requests, contractor insurance requirements, and insurance-related terms.
Pages
Current Coverages
Coverage Database
COI Request Log
COI Checklist
Insurance Glossary
Broker Questions
Operating Principle
Insurance should be managed as a business control, not as a one-off administrative task. The goal is to know what we carry, know what customers are asking for, know where our gaps are, and make ROI-based decisions on whether to increase coverage.
Owner
Primary owner: Administration / Leadership
Supporting owner: Broker / Agent
Update Cadence
At policy renewal
When a COI is requested
When a contractor asks for coverage above current limits
When a written waiver or exception is granted
When a new line of business changes the company’s risk profile

Current Coverage
Texas Drone Company Insurance Reference Matrix
Single source of truth for current policies, limits, contacts, expiration dates, and COI notes.
Owner: Administration / Leadership
Update frequency: At every renewal, every new COI request, and every contractor insurance exception.
How to Use This Page
Use this page as the company’s internal source of truth before responding to customer insurance requests, issuing COIs, signing subcontract insurance terms, or evaluating whether a new coverage is worth buying.
Required Internal Rules
Do not answer customer insurance questions from memory. Verify against this page and the current COI.
Do not agree to higher limits, additional insured wording, waiver of subrogation, or primary/non-contributory language unless the broker confirms the policy supports it.
If a contractor accepts coverage below its standard requirement, save the written approval and log it in the COI Request Log.
Update policy numbers, expiration dates, brokers, carriers, deductibles, and endorsements immediately after every renewal.
Quick Current Coverage Snapshot
Coverage Category
Policy / Coverage
Plain-English Description
Current Limit / Status
Coverage Status
Insurer / Carrier
Broker / Agent
Policy #
Effective Date
Expiration Date
Deductible / SIR
Key Endorsements / Requirements
COI Notes
Employee Injury
Workers' Compensation
Pays statutory benefits for employee injuries/illnesses arising from work.
In place / statutory
Confirmed
TBD
TBD
TBD
TBD
TBD
TBD
Waiver of subrogation may be requested by contractors.
Confirm WC appears on COI.
Employee Injury
Employer's Liability
Part Two of most workers' comp policies. Protects the company if an employee injury becomes an employer liability lawsuit.
Limit TBD
Needs Confirmation
TBD
TBD
TBD
TBD
TBD
TBD
Often requested as $1M or $2M each accident/disease limits.
Confirm limits on WC policy/COI.
General Business Liability
Commercial General Liability (CGL)
Covers third-party bodily injury, property damage, products/completed operations, and contractual liability exposures.
$1M per occurrence / $2M aggregate
Confirmed
TBD
TBD
TBD
TBD
TBD
TBD
Additional insured, primary & non-contributory, and waiver of subrogation may be requested.
This is the standard COI line most contractors check first.
Aviation / Drone Operations
Aviation / UAS Liability
Covers drone-related third-party bodily injury and property damage. This is the most important policy for flight operations.
$2M per occurrence
Confirmed
TBD
TBD
TBD
TBD
TBD
TBD
Confirm whether aggregate limit applies; confirm additional insured and waiver options.
Should specifically reference unmanned aircraft/UAS operations when requested.
Vehicles
Commercial Auto Liability
Covers company vehicles and related auto liability. Some contracts also require hired and non-owned auto coverage.
$1M combined single limit
Confirmed
TBD
TBD
TBD
TBD
TBD
TBD
Confirm owned, hired, and non-owned auto status.
Often requested as $1M or $2M CSL.
Excess Liability
Umbrella / Excess Liability
Provides additional limits above CGL, auto, and sometimes employer's liability. Often required by large industrial contractors.
None
Not Carried
N/A
TBD
N/A
N/A
N/A
N/A
Could be added annually or project-specific if ROI supports it.
No umbrella currently available for COI.
Professional Services
Professional Liability / E&O
Covers claims that professional advice, data, measurements, mapping, reports, or deliverables caused financial loss.
Unknown / TBD
Needs Decision
TBD
TBD
TBD
TBD
TBD
TBD
Important for mapping, measurement, volumes, data processing, and reporting work.
Not always shown unless specifically carried.
Equipment
Inland Marine / Equipment Floater
Covers drones, cameras, laptops, sensors, payloads, and equipment while in transit, in the field, or offsite.
Unknown / TBD
Needs Confirmation
TBD
TBD
TBD
TBD
TBD
TBD
Schedule high-value equipment; verify theft-from-vehicle limitations.
May not be required by contractors but is operationally important.
Office / Property
Commercial Property / Business Personal Property
Covers office contents, computers, fixtures, and business personal property at scheduled locations.
Unknown / TBD
Needs Confirmation
TBD
TBD
TBD
TBD
TBD
TBD
Confirm off-premises coverage exclusions.
Usually internal risk management, not contractor-driven.
Cyber / Data
Cyber Liability
Covers cyber incidents, data breach response, ransomware, funds transfer fraud, and certain privacy/security claims.
Unknown / TBD
Needs Decision
TBD
TBD
TBD
TBD
TBD
TBD
Increasingly relevant as deliverables, portals, and customer data are stored online.
May be requested by enterprise customers.

Coverage Database
Insurance Coverage Database
Common coverages a drone services / data company may carry. Use this to identify gaps and make renewal decisions.
Coverage Reference Database
Coverage Type
Priority
Typical for TDC?
What It Covers
Why It Matters
Common Limits / Notes
Typical Requested By
Do We Carry?
Recommended Action
Workers' Compensation
Required
Yes
Employee medical/lost wage benefits for work-related injury or illness.
Required for employee-based field operations and many contractor prequalifications.
Statutory by state.
Most industrial/construction customers
Yes
Maintain and keep certificates current.
Employer's Liability
Required
Yes
Employer lawsuit exposure related to employee injuries, usually tied to workers' comp.
Often appears right below workers' comp on COIs.
Common limits: $1M each accident/disease; large contractors may ask for $2M.
Industrial/construction customers
TBD
Confirm current limits with broker.
Commercial General Liability
Required
Yes
Third-party bodily injury, property damage, products/completed operations, contractual liability.
Baseline business liability and common customer requirement.
Common: $1M occurrence / $2M aggregate; larger contracts may request $5M.
Nearly all commercial customers
Yes
Confirm endorsements: additional insured, waiver, primary/non-contributory.
Aviation / UAS Liability
Required
Yes
Drone-related third-party liability from flight operations.
CGL often excludes aviation exposures; this protects the core flight risk.
$1M-$5M common; higher for industrial/utility/energy work.
Industrial, construction, utilities, municipalities
Yes
Confirm aggregate, covered aircraft, pilots, payloads, and additional insured wording.
Commercial Auto Liability
Required
Yes
Liability from company vehicles and jobsite travel.
Vehicle risk is a major field operations exposure.
$1M CSL common; $2M requested by some contractors.
Construction/industrial customers
Yes
Confirm hired and non-owned auto coverage.
Hired & Non-Owned Auto
High
Yes
Liability when employees use personal/rented vehicles for business.
Useful when employees drive personal vehicles to jobs or rent vehicles.
Often included by endorsement under auto or CGL.
Customers with site access requirements
TBD
Confirm included in auto policy.
Umbrella / Excess Liability
High
Maybe
Additional limits above underlying policies.
Often required by larger contractors, but ROI depends on how often it unlocks work.
$1M, $2M, $5M, $10M common tiers.
Large industrial, utility, energy, general contractors
No
Get annual quotes and track customer requests before buying.
Professional Liability / E&O
High
Likely
Claims arising from errors in professional services, data, maps, measurements, volumes, reports, or advice.
Important as TDC sells data deliverables, stockpile reports, topo products, and processing services.
$1M-$2M common for small professional firms.
Engineering, survey-adjacent, enterprise customers
TBD
Request drone/geospatial-specific E&O quote.
Technology E&O
Medium
Maybe
Claims from software/platform failures, data processing errors, or hosted technology services.
Relevant to Drone Service Pro, client portals, and automated processing/reporting products.
Often paired with cyber.
SaaS customers, enterprise buyers
TBD
Evaluate for Drone Service Pro separately from service company.
Cyber Liability
Medium
Likely
Breach response, ransomware, data loss, privacy claims, funds transfer fraud.
Growing risk as deliverables, customer data, portals, and payment systems move online.
$1M common starting point.
Enterprise customers, SaaS customers
TBD
Quote cyber coverage and evaluate controls requirements.
Inland Marine / Equipment Floater
High
Yes
Drones, payloads, cameras, sensors, laptops, and equipment in transit/offsite.
Protects expensive field equipment that may not be covered by property policy.
Schedule high-value items; confirm theft-from-vehicle limits.
Internal risk management
TBD
Build equipment schedule and confirm coverage/deductibles.
Drone Hull Coverage
Medium
Maybe
Physical damage to specific drones/payloads.
Useful for high-value aircraft/payloads but premiums can be high.
Often scheduled per aircraft/payload.
Internal risk management
TBD
Evaluate based on replacement cost and loss history.
Commercial Property / BPP
Medium
Yes
Office contents and business personal property at scheduled locations.
Protects office assets, computers, fixtures, and inventory.
Limits based on replacement value.
Landlord/lender/internal
TBD
Confirm property/BOP coverage.
Business Interruption
Medium
Maybe
Lost income and extra expense from a covered property loss.
Important if an office/equipment loss disrupts operations.
Often tied to property coverage.
Internal/lenders
TBD
Evaluate after property coverage is confirmed.
Employment Practices Liability (EPLI)
Medium
Yes as team grows
Wrongful termination, discrimination, harassment, retaliation claims.
More important as employee count and management layers grow.
$1M common starting point.
Internal risk management
TBD
Quote as employee count grows.
Crime / Employee Dishonesty
Medium
Maybe
Employee theft, forgery, funds transfer fraud, social engineering depending on policy.
Useful for small companies with payments, cards, and equipment access.
Limits vary widely; social engineering often sublimited.
Internal/finance
TBD
Evaluate with cyber/fidelity package.
Media Liability
Low-Medium
Maybe
Claims from published media: copyright, defamation, privacy, likeness, advertising injury gaps.
Relevant to creative/video work and client-published marketing assets.
May be part of E&O or specialty media policy.
Creative clients/agencies
TBD
Ask broker whether CGL/E&O covers media work.
Pollution Liability
Low
Rare
Pollution cleanup/third-party environmental claims.
Usually not central to drone services unless working with hazardous sites or causing spill-related claims.
Can be project-specific.
Industrial sites
No
Only quote if contract requires it.
Directors & Officers (D&O)
Low
Maybe later
Claims against company leadership by investors, lenders, or stakeholders.
More relevant with outside investors, board, or fundraising.
$1M+ common.
Investors/lenders
No
Not urgent unless ownership/financing changes.
Key Person Life / Disability
Strategic
Yes for owner-led business
Protects business continuity if a critical owner/leader dies or becomes disabled.
TDC is owner-led; this is continuity and lender-risk planning more than customer compliance.
Limit based on debt, payroll runway, and transition needs.
Internal/lenders
TBD
Consider as part of continuity planning.
Decision Guidance
Required coverages should be maintained continuously and kept COI-ready.
High priority coverages should be reviewed at renewal and whenever a customer request reveals a repeat gap.
Medium priority coverages should be evaluated based on growth, new services, and customer requirements.
Low priority coverages should generally be quoted only if a specific contract requires them.
COO Rule
Track demand before buying expensive coverage. If a missing policy repeatedly blocks profitable work, buy it. If it only appears once and the customer accepts a waiver, document the exception and move on.

COI Request Log
Contractor Insurance Request Log
Track every insurance request, gap, waiver, and written approval.
Log Template
Date Received
Customer / Contractor
Project
Requested Coverage / Clause
Requested Limit / Wording
TDC Current Coverage
Gap?
Waiver / Exception Granted?
Written Approval Location
COI Sent Date
Internal Owner
Next Action
Logging Instructions
Create one row for each customer, contractor, or project insurance request.
Attach or link the contract insurance exhibit, COI request email, broker response, issued COI, and any written exception.
Mark a gap only as resolved when either the broker confirms coverage or the customer confirms written acceptance of the current coverage.

COI Checklist
COI and Contract Insurance Checklist
Use before signing contracts or sending certificates.
Checklist
Step
Question
Why It Matters
Answer / Notes
Owner
Status
Due Date
Evidence Location
1
Do the contract insurance limits match our actual policies?
Prevents signing a contract that puts TDC in technical breach.
Not Started
2
Are additional insured endorsements required?
Common contractor requirement; must be supported by policy wording.
Not Started
3
Is waiver of subrogation required?
Broker must confirm it can be added for each applicable policy.
Not Started
4
Is primary and non-contributory wording required?
Large contractors often require it on CGL/auto/aviation.
Not Started
5
Is umbrella/excess liability required?
TDC currently carries no umbrella; this must be waived or quoted.
Not Started
6
Is professional liability/E&O required?
Could matter for mapping, volumes, data processing, or reporting work.
Not Started
7
Is aviation/UAS specifically accepted?
Drone work should not be treated as normal CGL-only field work.
Not Started
8
Are covered aircraft, pilots, and payloads listed correctly?
Avoids coverage issues if a drone/payload is not scheduled or approved.
Not Started
9
Does the COI include correct certificate holder and project wording?
Contractors may reject COIs with incorrect names or addresses.
Not Started
10
If there is a gap, do we have written acceptance or a contract revision?
Verbal approval is not enough; keep evidence in the file.
Not Started
11
Are policy expirations after the project duration?
Long projects may require renewal COIs mid-project.
Not Started
12
Have insurance costs been priced into the job?
Project-specific endorsements or higher limits should not quietly eat margin.
Not Started
Completion Standard
This checklist is complete only when the contract requirements, COI, broker confirmation, and any customer-approved exceptions all match. Verbal approval is not enough.

Insurance Glossary
Insurance Glossary
Plain-English definitions for common contractor insurance terms.
Additional Insured
Plain-English meaning: Another party, usually customer/contractor/owner, is added to receive certain protection under your policy.
Why TDC cares: Common requirement before entering jobsites.
Typical action: Ask broker to add certificate holder as additional insured where available.
Waiver of Subrogation
Plain-English meaning: Your insurer agrees not to seek recovery from the customer/contractor after paying a covered claim.
Why TDC cares: Contractors want to prevent your insurer from coming back against them.
Typical action: Confirm policy endorsement and cost with broker.
Primary and Non-Contributory
Plain-English meaning: Your policy responds first and does not require the customer's insurance to contribute first.
Why TDC cares: Large contractors use this to keep claims off their own insurance where possible.
Typical action: Broker must confirm endorsement wording.
Occurrence Limit
Plain-English meaning: Maximum paid for one claim/event.
Why TDC cares: Contractors compare this to their required per-occurrence limit.
Typical action: Check exact amount on COI.
Aggregate Limit
Plain-English meaning: Maximum paid during the policy period for covered claims.
Why TDC cares: A $1M occurrence policy may have a $2M aggregate cap.
Typical action: Monitor aggregate erosion after claims.
Combined Single Limit (CSL)
Plain-English meaning: One auto liability limit shared for bodily injury and property damage.
Why TDC cares: Common auto policy limit format.
Typical action: Usually shown as $1M CSL or $2M CSL.
Deductible
Plain-English meaning: Amount TDC pays before insurance responds.
Why TDC cares: Affects cash exposure after a claim.
Typical action: Track by policy, especially equipment and cyber.
Self-Insured Retention (SIR)
Plain-English meaning: Amount TDC must pay/handle before insurer has duty to pay, often more serious than deductible.
Why TDC cares: Can create administrative and cash-flow burden.
Typical action: Avoid surprises on E&O/cyber/umbrella policies.
Contractual Liability
Plain-English meaning: Coverage for certain liabilities assumed in a contract.
Why TDC cares: Construction contracts often include broad indemnity clauses.
Typical action: Do not assume every indemnity obligation is insured.
Completed Operations
Plain-English meaning: Coverage for liability arising after work is completed.
Why TDC cares: Relevant when deliverables or completed site work are later challenged.
Typical action: Confirm CGL includes completed operations.
Professional Liability / E&O
Plain-English meaning: Coverage for financial loss caused by alleged professional mistakes.
Why TDC cares: Relevant for mapping, measurements, volumes, reports, processing, and advice.
Typical action: Consider quote; avoid using licensed survey language publicly.
Inland Marine
Plain-English meaning: Property coverage for equipment that moves around.
Why TDC cares: Drones, payloads, sensors, cameras, and laptops are mobile assets.
Typical action: Maintain current equipment schedule.
Certificate Holder
Plain-English meaning: Entity named on the COI to receive proof of insurance.
Why TDC cares: Does not automatically make them additional insured.
Typical action: Use exact legal name/address from customer.
Endorsement
Plain-English meaning: Policy amendment that changes coverage or adds required wording.
Why TDC cares: COIs sometimes reference endorsements; actual policy controls.
Typical action: Ask broker for endorsement confirmation if needed.
Umbrella / Excess
Plain-English meaning: Extra limit above underlying policies.
Why TDC cares: Often requested in large contracts; not always necessary for small work.
Typical action: Track frequency of requests and ROI.

Broker Questions
Broker Renewal and Gap Questions
Use this list with your broker at renewal or when a large contractor sends insurance requirements.
Questions for Broker
Topic
Question for Broker
Why We Ask
Broker Answer
Follow-up Needed
Priority
Owner
Workers' Comp / Employer's Liability
What are our current Employer's Liability limits? Can they be increased to $2M if required?
Large contractors often request this.
High
Admin
CGL
Do we have blanket additional insured, waiver of subrogation, and primary/non-contributory endorsements?
These are the three most common contract wording requests.
High
Admin
Aviation/UAS
Can aviation policy name customers as additional insured and provide waiver of subrogation?
Drone work must be supported by aviation coverage, not just CGL.
High
Admin
Aviation/UAS
Is our $2M aviation limit per occurrence only, or is there an aggregate?
Some contracts list both per occurrence and aggregate limits.
High
Admin
Auto
Does our auto policy include owned, hired, and non-owned auto?
Employees may use company, personal, or rented vehicles for work.
High
Admin
Umbrella
Quote $1M, $2M, $5M, and $10M umbrella/excess options. Which underlying policies can they sit over?
Lets leadership make ROI-based decision.
Medium
Leadership
Professional Liability / E&O
Quote E&O for drone mapping, stockpile volumes, data processing, and deliverable reports.
TDC increasingly sells data products, not just images.
High
Leadership
Cyber
Quote cyber liability for client portals, stored data, email compromise, and payment fraud.
Cyber exposure grows with portals, SaaS, and online deliverables.
Medium
Leadership/IT
Inland Marine
Confirm covered equipment, deductibles, theft-from-vehicle limitations, and replacement cost terms.
Drones and sensors are mission-critical mobile assets.
High
Admin
Contract Review
When we receive customer insurance requirements, can broker review against our current coverage before we sign?
Prevents accidental breach and uninsured obligations.
High
Admin
How to Use
Use this page before renewal, before signing a large contractor agreement, or when a customer’s insurance exhibit includes terms that do not appear on the standard COI.