First, we would clearly require an aviation exclusion, given his occupation as a pilot.
Luke would also require an aviation exclusion as a pilot, and would also be at risk for speeding tickets, given his hobby of shooting at womp rats from his vehicle.
If you go online and purchase a life insurance policy or if you are on a group life insurance policy of some sort--often at your work--the odds are nearly unity that the policy includes an aviation exclusion.
If there is an aviation exclusion, either negotiate to try to have it removed or purchase coverage without it.
However, a number of those have the aviation exclusion we talked about above.
As Zurich recognized, "[u]sing a drone for any commercial purpose is considered an aviation activity and will therefore fall under the broad aviation exclusions
of most general liability policies, should a drone cause damage or injury.
Most business insurance policies and homeowners insurance policies have aviation exclusions
that typically broadly exclude all Aviation-related risk from coverage.