An Unmanned Aerial Vehicle (“UAV”) commonly known as a drone is an aircraft operated by remote control without a pilot on board. Originally developed for military purposes, they are now becoming an increasingly common tool used in various businesses.

Talk to your CMR Broker today if you or your company use a drone for any of the following purposes:

  • Surveying
  • Aerial photography
  • Inspections
  • Security work
  • Filming
  • Delivery services
  • Real estate
  • Farming
  • Any other commercial activity

If you are already making money with your Drone or UAV, or if you have plans to do so in the near future, it is a smart decision to insure your drone now.


Transport Canada is proposing new regulations for drones that:

  • weigh 250 g to 25 kg
  • are operated within visual-line-of-sight, and
  • are used for any purpose (fun, work or research)

Under these regulations all operators who fly a drone that weighs more than 250 g for any purpose will need to be insured through a liability insurance provider for at least $100,000.

To fly a recreational drone (or model aircraft), you must follow the safety rules in the Interim Order Respecting the Use of Model Aircraft.

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Aside from liability protection, Transport Canada also requires that companies have proper insurance coverage for these devices depending on how they are used.

Commercial UAV or Drone operators need to be certified and have a Special Flight Operations Certificate from Transport Canada.

Transport Canada requires a minimum of $100,000 liability insurance but we strongly recommend carrying higher limit to cover bodily injury and/or property damages that could arise.

Insurance won’t cover fines and court costs that come along with any provincial, federal or municipal law infractions.

Learn the requirements that will apply to you when Canada’s new regulations for unmanned aircraft systems, more commonly known as drones, become law.


The following safety rules help keep people, aircraft and property safe. If you fly where you are not allowed or you break the rules below, you could be fined up to $3,000.

Fly your drone:

  • below 90 m above the ground
  • at least 30 m away from vehicles, vessels and the public (if your drone weighs over 250 g and up to 1 kg)
  • at least 76 m away from vehicles, vessels and the public (if your drone weighs over 1 kg and up to 35 kg)
  • at least 5.6 km away from aerodromes (any airport, seaplane base or area where aircraft take off and land)
  • at least 1.9 km away from heliports or aerodromes used by helicopters only
  • outside of controlled or restricted airspace
  • at least 9 km away from a natural hazard or disaster area
  • away from areas where its use could interfere with police or first responders
  • during the day and not in clouds
  • within your sight at all times
  • within 500 m of yourself
  • only if clearly marked with your name, address and telephone number

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