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2. NFP P&C Private Client Group
Sharon Kauls, Vice President
Ryan Benner, Vice President
Los Angeles, CA Leading Insurance Advisor
By NFP P&C Private Client Group
Drones and personal liability:
What do I need to know?
A few years ago, any mention of
drones would conjure up visions of
military surveillance aircraft. Not
so today! Drones are being used
for everything from agricultural
surveys and retail delivery to real
estate photography.
According to market researcher
Radiant Insights, revenue from the
consumer drone market is expected
to soar from $609 million (2014)
to $4.8 billion by the end of the
decade. This growth in popularity has
caused concerns over privacy and
safety, so much so that in 2013 Con-
gress directed the Federal Aviation
Administration (FAA) to enact drone
regulations.1
The FAA made safety its
top priority, but privacy is also high
on the list of concerns.
Some states have, or are in the
process of, enacted laws that make it
unlawful to use a drone to conduct
surveillance, harass or photograph
people without their consent.2
Also
being discussed is legislation to
restrict the use of drones from inter-
fering with emergency, police and
firefighting operations.
THE RISKS
As risk management and insurance
professionals, we look for evolving
risks that may affect clients. Then
we provide education and solutions
to mitigate risk and financial impact.
There are three main types of con-
sumer risks regarding drones:
• Bodily injury can happen
through direct injury to a person by
a drone, or indirect injury, when a
drone causes an event such as a car
accident or manned aircraft collision.
• Property damage is direct dam-
age caused by a drone or an event
triggered by a drone. For example,
one might hit a power line causing a
brush fire that destroys homes. Also
included here is property damage
exacerbated by a drone, e.g., inter-
ference with firefighting personnel,
hindering the containment of a fire
that goes on to damage property.
Earlier this year, fire crews were
forced to ground water-dropping
aircraft because of drones. Those
aircraft had been targeting flames
that burned 36,000 acres in South-
ern California.
• Personal injury includes the
invasion of privacy when a drone
photographs someone where there
is an expectation of privacy, and the
unauthorized use of photographs
taken of people, buildings, or trade-
protected images.
HOW TO PREVENT OR
MITIGATE LOSS
Drone enthusiasts can take several
steps to avoid liability:
• Be aware of and comply with fed-
eral, state and local laws that govern
the use and operation of drones.
• Know who is using a drone and
his or her experience level.
• Enforce safe practices with chil-
dren operating drones.
HOW INSURANCE CAN
PROTECT YOU
Homeowners and personal umbrella
policies can vary in contract language,
so always discuss your specific pol-
icy with your broker or agent.
Review your policy annually for
changes in contract wording that
could restrict or exclude coverage.
Policies usually contain liability
exclusions for expected or intended
injury, even if the injury or damage
that occurs is of a different type or
severity than expected. Fortunately,
the Clinton, Conn., teen arrested for
building a gun-firing drone didn’t
injure anyone. If he had, the ques-
tion is, would that type of liability
have been expected or covered?
THE BOTTOM LINE
Drones are becoming more common
all the time. Make sure you know
the laws, practice safety and talk to
your insurance broker about your
coverage needs.
1
FAA Modernization and Reform Act of 2012
2
In 2015, 45 states have so far considered 164 bills related to drones. Nineteen states—Arkansas, Florida, Hawaii, Illinois, Louisiana, Maine, Maryland,
Michigan, Mississippi, Nevada, New Hampshire, North Carolina, North Dakota, Oregon, Tennessee, Texas, Utah, Virginia and West Virginia—have
passed legislation. Four other states—Alaska, Georgia, New Mexico and Rhode Island—have adopted resolutions related to drones.
Insurance services provided through NFP Property & Casualty Services, Inc., doing business in California as NFP Property & Casualty Insurance
Services, Inc., License # 0F15715.

3. NFPP&CPRIVATECLIENTGROUP
How to reach NFP P&C
Private Client Group
We would be pleased to hear from
you. Please call us at 805.297.8182.
LIVEGROWMAKE
NFP P&C Private Client Group 444 South Flower Street, Suite 4200, Los Angeles, CA 90071 805.297.8182
ILLUSTRATIONBYKEVINSPROULS
Largest Client Net Worth $5+ billion
Insurance Services Experience
Kauls, 33 years; Benner, 15 years
Website www.nfp.com/privateclient
Email sharon.kauls@nfp.com
ryan.benner@nfp.com
NFP P&C Private Client Group is a personal lines insurance agency headquartered in New York City, with
offices across the country. The agency specializes in personal insurance, ranging from homeowners and
automobile insurance to specialty lines, such as coverage for yachts, aircraft, fine art and antique cars. NFP
has agency appointments with a number of leading insurance markets, including ACE, AIG, Chubb and
PURE. Sharon Kauls, vice president, is a risk management and insurance professional, working with high
net worth families to develop and implement insurance programs designed to complement their wealth
preservation strategy. Ms. Kauls has particular expertise with residential construction projects, from
guiding clients through the contract requirements, to placing large property programs during the project.
Her professional designations include certified insurance counselor, certified risk manager, construction
risk and insurance specialist, and accredited advisor in insurance. Ryan Benner, vice president, started
his insurance career more than 15 years ago. After several years on the carrier side, he narrowed his
focus to the high net worth space. He is experienced in identifying and illustrating the importance of
well-conceived risk management programs for high net worth individuals and families. Mr. Benner holds
an MBA from Loyola Marymount University and earned his BA in marketing from Loyola Marymount
University’s College of Business Administration.
About NFP P&C Private Client Group
Sharon KaulsRyan Benner
123W O R T H . C O M D E C E M B E R 2 0 1 5 - J A N U A R Y 2 0 1 6
“This growth in [drones’]
popularity has caused
concerns over privacy
and safety.”
—NFP P&C Private Client Group

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Sharon Kauls
Vice President
Ryan Benner
Vice President
NFP P&C Private Client Group
444 South Flower Street, Suite 4200
Los Angeles, CA 90071
Tel. 805.297.8182
sharon.kauls@nfp.com
ryan.benner@nfp.com
www.nfp.com/privateclient