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.
That leads to either aviation exclusions in life insurance policies or bumping pilots into more expensive premium classifications.
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. Most aviation exclusions say the policy will not pay should you be killed in the crash of an airplane other than a scheduled airliner.
If there is an aviation exclusion, either negotiate to try to have it removed or purchase coverage without it.
