After cover is provided, he recommends emailing the insurer and getting an assurance about exactly how loss, damage and third party liability will be handled.
Abby Kingi is thinking of asking her own broker whether their drone has the right cover. She's been told it may be covered if she drops it - but not if it falls out of the sky while in use.
She said having a drone was helpful for some specific jobs, but there was a lot to get to grips with. The two needed lots of practice flying it at first, and there are lots of rules about use.
Much of Whanganui is within 4km of the airport, and it can't be flown there. They can't film crowds or cars on the road, or council property unless they have permission.
To avoid damage to the drone it has to be steered clear of trees, birds and other obstacles. And people can feel invaded by having a drone buzzing around above them.
"We never film over someone's home that we don't know, and we always talk to people first," Kingi said.
Filming with a drone takes two people, one watching the drone at all times and the other watching the screen and operating it.
The Civil Aviation Authority has rules for drones - fly only in daylight, keep within sight, no higher than 120m, and only fly over people and land you have permission from. In most cases people sticking to the rules will avoid liability for any accident caused, Moss said.
Careless flyers could ruin it for everyone else. Flights to Auckland have been diverted and delayed by people flying drones too near the airport.
"It's just going to get more and more tight. You might end up needing a licence to fly one," Caleb Kingi said.
