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Front Row Insurance Brokers

Frequently Asked Questions

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We do not have monthly payment options for our online policies.

The following changes can be made at anytime once your policy is active:

  • Add or remove a drone during the policy term.

  • Coverage limits can be increased as needed. Note that if the limit is increased, it would be done for the remainder of the policy term. Short-term limit increases are not available. Coverage limits cannot be decreased once a policy is purchased.

  • Add/remove a pilot

Note that there are no refunds if the number of drones or pilots are reduced.

Once a policy is purchased, policy changes can be made via Front Row Backstage.

Please note that the full policy premium is fully earned and nonrefundable once the policy is purchased.

Once you have purchased coverage, you will have access to Front Row Backstage, our self-service online portal. From Backstage, you can issue certificates to the parties that are asking to be added as additional insured.

A certificate of insurance can do a few things: it can prove to someone that you have insurance. It can add a party to your insurance contract as an “additional insured”, so that your policy will also afford them coverage with respect to your drone activities.

You can issue certificates to the following types of parties:

1.     Municipalities/Cities for the purpose of granting permits for drone photography/videography operations.

2.     Lessors of premises Rented/Leased to the Insured for occupancy for drone photography/videography operations (except for long term leases).

3.     Production Companies.

Under no circumstances should a certificate be issued with respect to a special effects company, pyrotechnics company, stunt coordinators or similar types of organizations involving hazardous activities without prior written approval from our office.

The Named insured should be the owner of the drone/UAV. This can be an individual or company as explained below:

Note: the person or entity who is listed as the Applicant (Named Insured) will become the Named Insured on the policy. The Named Insured should match the name under which you enter rental contracts, location agreements etc. The Named Insured has special rights and duties. These rights and duties are explained in General Rules of the policy wording.

Video: Steve Beatty explains the "Named Insured"

Individual - If you are applying as an individual, please list your full legal name in the Applicant (Named Insured) box.

Partnership or Joint Venture - If you are applying as a Partnership or Joint Venture, please list you and partners or co-venturers full legal names in the Applicant (Named Insured) box.

Trade Name/Unincorporated Company  - If you are applying as a company that is not incorporated please list your full legal name and your unincorporated company name by including the acronym dba (doing business as) in the Applicant (Named Insured) box.  An example of how to correctly list your name in this scenario is below:

Jane Doe dba ABC Production Company

Corporation - If you are applying as an incorporated entity, please list the full legal name of your incorporated entity including the company’s designation (i.e. Inc. Ltd, Corp.) in the Applicant (Named Insured) box.

Note: if you need to list a production company or locations as an additional insured, they should not be listed as the Applicant/Named Insured. When you purchase the policy, you will be supplied is access to issue certificates of insurance. This certificate of insurance will allow you to add additional insureds to your policy as needed per the terms and conditions of the policy.

Yes, you can cover up to 5 drones at any time under the fleet plan option.

  • Beyond Line of Sight operation (BVLOS) - “Beyond Visual Line of Sight Operations” means the operation of a Remotely Piloted Aircraft beyond a distance where the Remote Pilot is able to respond to, sense or avoid other airspace users by visual means

  • Special Uses – instruction; indoor use; aerobatics; patrol; hunting; fire-fighting; the intentional dropping, spraying or release of anything; any form of experimental or competitive flying; and any other use involving abnormal hazard

  • Any use outside of Canada

  • Any liability arising from actual or alleged invasion of privacy, trespass or data misuse

  • Contractual Provisions – other than Additional Insured status

  • Any use for “Hire or Reward” – this means any payment, consideration, gratuity or benefit, directly or indirectly charged, demanded, received or collected by any person for the use of a Remotely Piloted Aircraft System, except that the reimbursement or sharing of legitimate operating expenses shall be permitted in accordance with the regulations promulgated by the Aviation Authority.

  • As per exclusions noted in the policy wording

This Drone program only covers usage within Canada.

There is no coverage for drone operations in the USA or any other countries at this time.

This online program is currently only available for Canadian residents and Canadian registered companies. 

This policy provides drone use for Private Business and Pleasure. This means the use of the Remotely Piloted Aircraft System (Drone)  for private business or professional and pleasure purposes excluding any use for Hire or Reward.

“Hire or Reward” means any payment, consideration, gratuity or benefit, directly or indirectly charged, demanded, received or collected by any person for the use of a Remotely Piloted Aircraft System, except that the reimbursement or sharing of legitimate operating expenses shall be permitted in accordance with the regulations promulgated by the Aviation Authority.

This program is currently only available for drones operated within Canada.

  • Beyond Line of Sight operation (BVLOS) “Beyond Visual Line of Sight Operations” means the operation of a Remotely Piloted Aircraft beyond a distance where the Remote Pilot is able to respond to, sense or avoid other airspace users by visual means

  • Visual Line of Sight Operation means an operation in which the Remote Pilot or the Remotely Piloted Aircraft System Commander maintains direct unaided (other than corrective lenses) visual contact with the Remotely Piloted Aircraft and are able to Detect and Avoid conflicting traffic

At this time, physical damage coverage is not available through this program. This program provides Drone/UAV aerial liability coverage only.