Aerial Advertising Insurance Coverage Checklist
The coverages an aerial advertising business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for aerial advertising operators. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Aircraft Liability | Covers third-party injury and damage from banner and airship operations. | Core | |
| Aircraft Hull | Covers the aircraft, often destroyed in pickup stall-spins. | Core | |
| Drone / UAS Liability | Covers drone shows, which aviation and GL forms often exclude. | Core | |
| Workers' Compensation | Covers pilots and ground crew beside low aircraft. | Core | |
| Umbrella / Excess Aviation Liability | Adds limits for crowd injuries. | Core | |
| UAS Hull & Payload | Covers drone fleets and LED payloads. | Prevalent | |
| General Liability | Covers offices and ground premises only. | Prevalent | |
| Banner / Equipment Inland Marine | Covers banners, LED rigs, and tow gear. | Prevalent | |
| Non-Owned Aircraft Liability | Covers rented or customer-owned aircraft. | Situational | |
| Event Cancellation / Contractual Liability | Covers cancelled shows and sponsor indemnities. | Situational |
The coverage gap most often missed
The gap most often missed by aerial advertisers is drones. Operators who add drone shows to a banner business often assume the aircraft policy covers them, but most manned-aircraft and GL forms exclude unmanned aircraft or cap them. The Orlando show shows the stakes: a crowd injury plus a nationwide waiver suspension that stopped other contracted shows.
Send us the checklist and we'll review your aerial advertising coverage line by line, then market it across multiple carriers that compete for your account.
Related: Aerial Advertising Insurance · Aerial Advertising Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an aerial advertising business need?
The core coverages for an aerial advertising business are Aircraft Liability, Aircraft Hull, Drone / UAS Liability, Workers' Compensation, Umbrella / Excess Aviation Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my aerial advertising coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.