HYPOTHETICAL EXAMPLE
An operational scenario
A contractor uses an unmanned aircraft to inspect a facility. A flight incident damages property, while a separate customer complaint concerns an inspection finding that was missed.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
Part 107 is a regulatory framework for qualifying small unmanned aircraft operations. It does not define an insurance grant, and some operations require additional authorizations or fall under another framework. Aviation liability and professional liability need distinct review.
What to examine
Document aircraft weight and configuration, intended operations, pilots, airspace, payloads, locations and subcontractors. Review customer requirements against actual accepted uses and any operating restrictions.
Evidence to gather
- Aircraft and payload schedules
- Pilot credentials and relevant authorizations
- Mission descriptions and customer contracts
- Maintenance and incident records
Questions for your review
- Is this mission authorized under the applicable operating rules?
- Does the insurer accept the actual use and locations?
- Who insures data quality and customer-owned payloads?
References and review status
- FAA remote pilot certification
Part 107 remote pilot context; mission authorization remains operation-specific
References support the indicated background topic. Review questions are educational analysis; no specific policy specimen has been supplied. Source checks: November 12, 2026.