The Growing Requirement for Drone Insurance in State Parks, Counties, and Universities
The Growing Requirement for Drone Insurance in State Parks, Counties, and Universities
As drone popularity soars among hobbyists and professionals alike, the need for clear regulatory guidelines has become increasingly important. Across the United States, various state parks, counties, and universities have introduced specific rules for using drones on their properties. In many cases, these entities require drone operators to obtain permits to fly, and a growing number of them now require drone pilots to carry insurance as a condition of those permits. Notable places enforcing such policies include Arkansas State Parks, San Diego County, the City of Malibu, Boise State University, Indiana State Parks and Lands, Kentucky State Parks and Lands, St. Louis Forest Park, and Virginia State Parks.
Why Require Drone Insurance?
As drones become more prevalent in public spaces, the potential for accidents, property damage, and personal injury rises. From inadvertent collisions with park visitors to disturbances of wildlife, the risks associated with drone flights have prompted administrators to set clear guidelines. By requiring insurance, these entities aim to protect their assets and the general public, ensuring that, if accidents occur, the financial impact can be mitigated.
Drone insurance typically covers several key areas:
- Liability: Covers costs in cases where the drone causes personal injury or property damage to others.
- Hull Damage: Insures the drone itself, covering damages sustained during the operation.
- Payload Coverage: Useful for commercial operations where expensive equipment, like cameras, are attached to the drone.
This coverage is particularly relevant in densely populated or ecologically sensitive areas, such as parks and campuses, where accidents could have profound implications for people and the environment.

Examples of Places Requiring Drone Insurance
Let’s take a closer look at some specific areas enforcing these policies.
- Arkansas State Parks: Arkansas requires all drone pilots applying for a permit to carry insurance, especially if flying in heavily trafficked or ecologically sensitive areas. The state emphasizes protecting its parks’ unique landscapes and visitor experience, so proof of insurance has become necessary for those seeking to fly legally.
- San Diego County and the City of Malibu: Both San Diego County and the City of Malibu, well-known for their high visitor traffic and scenic beauty, mandate drone insurance to manage the risk of property damage or visitor injury. Given California’s strict liability laws, it makes sense that cities and counties are leading the charge in making insurance mandatory.
- Boise State University: On university campuses like Boise State, drone flights have increased due to their popularity for research and event documentation. However, the proximity of pedestrians, buildings, and sports fields means a heightened risk of accidents. Boise State requires drone permit insurance to safeguard its students, faculty, and facilities.
- Indiana and Kentucky State Parks and Lands: Indiana and Kentucky have extensive natural landscapes and vibrant wildlife that attract visitors year-round. State authorities require drone insurance to preserve these spaces and protect wildlife and visitors, ensuring pilots are prepared for potential liabilities.
- St. Louis Forest Park: This iconic city park, often bustling with visitors and events, mandates insurance for drone operations. As a heavily populated space with a mix of outdoor activities, enforcing this requirement helps minimize risks associated with potential accidents.
- Virginia State Parks: Known for its historical significance and natural beauty, Virginia State Parks restrict drone access without proper permitting and insurance. This requirement protects the state’s valuable ecosystems and provides the park’s management and visitors peace of mind.
Steps for Drone Pilots Applying for Permits in These Areas
If you’re considering flying your drone in any of these locations, here’s a general approach:
- Check Local Regulations: Before heading out, always review the specific regulations of the park, county, or university you plan to visit. Rules can vary significantly, so it’s essential to know what’s expected.
- Obtain Drone Insurance: The AutoPylot app provides convenient, on-demand drone insurance options, including flexible plans for short-term coverage or annual policies. With AutoPylot, you can select policies that cover essential areas such as liability and damage and even add payload coverage if you’re flying with high-value equipment.
- Apply for a Permit: Many parks, cities, and campuses require a formal application process for drone permits. This application may ask for details like flight purpose, equipment specifications, insurance proof, and other relevant information.
- Abide by Designated Flying Zones: Some areas may have designated spots where drones can and cannot fly, particularly near wildlife or high-traffic areas.
- Respect Privacy and Safety Concerns: Always maintain a safe distance from people and respect local wildlife, as disturbing natural habitats is a common reason for strict enforcement of drone regulations in parks.
The AutoPylot app has become an invaluable tool for drone pilots navigating the complex web of regulations and insurance requirements. AutoPylot offers an all-in-one solution, enabling drone operators to secure insurance and verify local rules, advisories, and permit requirements before taking off. With features that streamline the planning process, AutoPylot helps drone pilots remain compliant and prepared, whether flying in a popular state park or near a bustling urban area.
How AutoPylot Helps with Insurance
AutoPylot allows pilots to quickly purchase on-demand drone insurance, making it ideal for operators who need flexibility. Users can select coverage within the app based on flight duration, location, and specific insurance needs—such as liability or hull coverage. This flexibility benefits recreational pilots or freelance operators who may not need year-round coverage. With AutoPylot, you can ensure you have the right coverage for each specific flight, saving time and money.

Download AutoPylot to see our full list of local and state rules!
Verifying Local Rules and Regulations
The AutoPylot app doesn’t just offer insurance; it also provides resources to help drone operators understand and adhere to local rules and advisories. Here’s how AutoPylot’s regulatory features can help you stay compliant:
- Real-Time Map of Restricted Areas: AutoPylot offers a detailed map overlay highlighting restricted areas, such as no-fly zones around airports, national parks, or areas with temporary advisories. This can help pilots avoid prohibited locations and understand boundaries before taking off.
- State and Local Warning: Using AutoPylot’s resources, drone pilots can see if they need permits or insurance in specific locations, such as Arkansas State Parks or San Diego County. The app provides this information in-app on a location-by-location basis, so operators can quickly confirm requirements for each flight.
The Future of Drone Regulations in Public Spaces
As drones become more integrated into various sectors, from entertainment and education to scientific research, even more areas will likely adopt mandatory insurance and permit requirements for drone pilots. The precedent set by Arkansas, San Diego, and others shows a growing trend of prioritizing safety and risk management while allowing drone enthusiasts and professionals to enjoy their hobby or work within safe, regulated boundaries.
For drone pilots, apps like AutoPylot are essential tools in today’s regulated environment. With the ability to secure insurance, check for local rules, and ensure compliance, AutoPylot makes responsible drone operations more accessible. Whether flying in places like Virginia State Parks or on a university campus, AutoPylot helps you prepare thoroughly and fly confidently—allowing you to focus on the experience, knowing you’re covered and compliant.