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. |