CAA Drone Theory Test 2025 – 400 Free Practice Questions to Pass the Exam

Public liability insurance is recommended for commercial drone operators because it provides coverage against claims made by third parties for injury or damage caused by the drone's operation. In a commercial context, where drones may be operated over populated areas or in proximity to people, the risk of accidents increases. If a drone causes injury to a person or damage to property, the operator could face significant legal claims. Public liability insurance protects the operator financially in such scenarios, ensuring that they can cover any damages awarded by a court.

While property damage insurance focuses specifically on loss or damage to physical assets, health and safety insurance typically pertains to workplace safety and may not directly address liabilities associated with drone operation. Comprehensive vehicle insurance is more relevant to traditional vehicles and does not cover the unique risks associated with operating unmanned aerial vehicles. Therefore, public liability insurance is the most appropriate choice for safeguarding against the specific legal and financial risks that commercial drone operators may encounter.