If the drone operator is identified, he faces civil FAA penalties of up to $75,000 per violation and possible criminal charges — but faces those penalties without any insurance backstop. Flying in controlled airspace around an airport without authorization, which is what an operator would have to do to keep a drone at an altitude of 3,000 feet over a commercial approach path, voids coverage under almost every drone policy on the market. Skywatch, one of the leading drone insurance platforms, is clear: policies “do not cover flights conducted in violation of FAA regulations. Flying legally is the baseline for your coverage.”
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