Commercial drone operations in Jordan require third-party liability insurance — typically a minimum of 100,000 JOD per incident — written by a licensed insurer in Jordan and accepted by CARC. Hull and payload coverage are optional add-ons that protect the drone itself. Here is how the policies work and what you should ask for.
The three insurance layers for commercial drone work
- Third-party liability. Covers damage you cause to people or property. The legally important one.
- Hull coverage. Covers loss or damage to the drone itself.
- Payload coverage. Covers expensive sensors — thermal cameras, LiDAR pods, cinema rigs.
Typical limits and premiums in Jordan
| Coverage | Typical limit | Annual premium (JOD) |
|---|---|---|
| Third-party liability (basic) | 50,000–100,000 | 400–900 |
| Third-party liability (events/crowds) | 250,000–1,000,000 | 1,200–3,500 |
| Hull (Mavic-class) | 5,000–10,000 | 250–500 |
| Hull (Matrice-class) | 20,000–50,000 | 1,000–2,500 |
| Payload (LiDAR, thermal) | 10,000–40,000 | 500–1,800 |
| BVLOS waiver add-on | elevated | +30–80% |
What CARC actually requires
CARC requires that any commercial operator carry valid third-party liability insurance and present proof when applying for operator approval or event-specific permits. The minimum acceptable limit depends on the operation: 50,000 JOD for low-risk shoots, 100,000+ JOD for site-based commercial work, and significantly higher for events and BVLOS.
What policies in Jordan typically exclude
- Flying without CARC operator approval (the insurer voids the policy).
- Operating in declared no-fly zones.
- Pilot under the influence or without a valid licence.
- Drones flown beyond manufacturer specifications (overweight, BVLOS without waiver).
- Acts of war and terrorism (standard global exclusion).
- Drones used in races or aerobatic competitions unless specifically endorsed.
Who issues drone policies in Jordan
Several Jordanian general insurers underwrite drone liability either as a stand-alone policy or as an endorsement on commercial general liability. International specialty drone insurers also operate through local intermediaries. Loyalty Drones works with insurers that recognise CARC operator status and provide event-specific top-up coverage.
What clients should look for in an operator’s policy
- Liability limit appropriate to the project size (100,000 JOD baseline, higher for events).
- Geographic coverage including the actual site (some policies exclude restricted zones).
- BVLOS endorsement if the job is beyond visual line of sight.
- Sub-contractor coverage (if anyone other than the named pilot will fly).
- A copy of the certificate of insurance with the policy number on the agreement.
Why this matters to clients
If an uninsured drone damages a venue, vehicle or person during your event, the liability falls to whoever hired the operator. Asking for the certificate of insurance before signing is the cheapest risk management step in your project. Loyalty Drones provides certificates on request.
Why Loyalty Drones
Our liability cover and event-specific top-ups are documented on the quote. Hull and payload protection means a drone or sensor failure does not stop your project. Related: choosing a drone company and Jordan drone laws.
Frequently Asked Questions
Do I need drone insurance for hobby flying in Jordan?
Recreational flying does not legally require insurance the way commercial work does — but if you cause damage, you are personally liable. A small liability policy is a wise precaution.
How much liability cover is enough for a wedding shoot?
At minimum 100,000 JOD; many venues now require 250,000+ JOD for events with guests. Confirm in writing before the day.
Does the insurer need to see my CARC licence?
Yes — coverage assumes you fly legally. Operating without CARC approval voids the policy.
Is BVLOS covered under a standard drone policy?
No. BVLOS requires a specific endorsement and a higher premium because of the elevated risk profile.
Get a Quote From Loyalty Drones
Loyalty Drones is a CARC-licensed, insured Jordan drone operator. Contact us for a written quote within 24 hours, or visit the homepage for recent work.
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