Serving Colorado's Counties

Technical Update vol. 25 no. 8 -Use of Drones

February 23, 2021

Inquiries about the liability in the use of drones (unmanned aerial vehicles) continue to grow as interest in the use of drones rises. Members of the Colorado Counties Casualty and Property Pool (CAPP) should be aware that your CAPP coverage excludes aircraft operations, and the use of drones falls under this language. So, if you are operating a drone involved in an accident with an individual or property, your CAPP coverage will not cover that exposure.

Drone flying over field at sunset

Further, many drones have expensive equipment attached, such as cameras. That property would not be covered under CAPP but might be included in specialty drone hull insurance. However, this coverage is extremely limited and expensive. If you have county-owned land that drone enthusiasts use, you are exposing your county to liability for premises medical pay. Even if the county is not directly involved in the drone's operation, the county could be liable for premises medical pay for injuries for failing to adequately safeguard invitees even if there are other potentially liable parties involved. Your CAPP insurance provides coverage for premises medical pay. CAPP would not cover the exposure of the hobbyists using your grounds.

What This Means for Counties

Specialty insurance policies might be available for drone operations to cover potential liabilities depending on several factors, including whether the drone(s) are properly authorized by the FAA with a Certificate of Authorization (COA) or with an exemption under the Special Authority for Certain Unmanned Systems rule (49 U.S.C. §44807).

For further information on drone coverage, contact the pool's broker for aviation coverage:

Tracy Paladino

Client Service Supervisor at Gallagher

303-889-2614

Tracy_Paladino@ajg.com

For additional information about the use of drones by counties, contact CTSI at 303 861 0507.

A PDF of this Technical Update is available here.

News & Updates

Technical Update vol. 25 no. 8 -Use of Drones

Inquiries about the liability in the use of drones (unmanned aerial vehicles) continue to grow as interest in the use of drones rises. Members of the Colorado Counties Casualty and Property Pool (CAPP) should be aware that your CAPP coverage excludes aircraft operations, and the use of drones falls under this language. So, if you […]

Read More
Technical Update vol. 25 no. 7 - Healthy Families and Workplaces Act Coverage Broadens in 2021

The Healthy Families and Workplaces Act (HFWA, S.B. 20-205, July 12, 2020) signed into law by Governor Polis last year contains provisions that expand paid sick leave in 2021. Who is Covered? The HFWA applies to all Colorado employers with 16 or more employees in 2021. Coverage expands to employers of any size in 2022. […]

Read More
Technical Update vol. 25 no. 6 - Colorado Healthy Families and Workplaces Act Extends Paid Sick Leave for COVID-19

Colorado passed SB20-205, also known as the Healthy Families and Workplaces Act (Healthy Families Act), in July 2020. The Act made changes to Colorado’s paid sick leave statutes and provided for COVID-19-specific sick leave. The Act consists of two COVID-19 related sections. First, it requires Colorado employers to comply with the federal Emergency Paid Sick […]

Read More
Technical Update vol. 25 no. 5 -Take Steps to Prevent Winter Slips and Falls

According to the Occupational Safety & Health Administration (OSHA), slips, trips, and falls cause the majority of general industry accidents and 15% of accidental deaths. Each winter, CTSI receives multiple incident reports about county employees being injured by slipping and falling while working in icy conditions. Many of these injuries could be prevented by wearing […]

Read More
January: Glaucoma
Read More