BVLOS Broker & Counsel Question Worksheet

A worksheet to bring to the meeting with your broker and counsel, distilled from our article BVLOS Approval Is Not Insurance Coverage. The goal is written answers you can file, not verbal comfort. Checked September 15, 2026.

Step 1 — Write the one-page mission description

Before asking anything, describe the operation on a single page:

• Aircraft types and configurations flown
• Mission profiles, routes, and geography
• Degree of autonomy and the command-and-control architecture
• Payloads and data collected
• Vendors, subcontractors, and service providers, and what each one touches
• The operating authority you actually hold today (waiver, exemption, Part 107 conditions), with its conditions attached

Step 2 — Mission scope questions for your broker

• Does the policy application and its schedules reflect the operation described on my one-pager?
• Is BVLOS flight specifically contemplated in this policy, in writing?
• What must I disclose, and when, if the operation changes (new aircraft, new routes, more autonomy)?

Step 3 — Exclusion questions for broker and counsel

• Which policy responds to bodily injury or property damage arising from flight?
• Has any aircraft exclusion in my commercial general liability policy been modified by endorsement, and can I see the endorsement wording?
• What responds when the harm is an error in my deliverable — a flawed inspection report, for example — and does a professional services exclusion apply?

Step 4 — Cyber, privacy, and vendor questions

• How are cyber and privacy exposures handled across my policies, given C2 links, third-party providers, and data collected over people and property?
• Which vendor contracts require indemnification or additional-insured status, and are the certificates of insurance current?
• Have we reviewed the underlying policy endorsements behind those certificates, not just the certificates themselves?

Step 5 — Records and incident questions

• What are my notification triggers — which events must I report, to whom, and how quickly?
• Can I actually export the logs, firmware versions, crew assignments, and timestamps a claim would ask for, including data held by vendors?
• Who notifies whom after an incident, in writing?
• What retention schedule has counsel approved, so we keep what a dispute needs without accumulating unnecessary private data?

Step 6 — Close the loop in writing

Ask for a written review covering the policy wording itself, every applicable endorsement, and your notification triggers. Remember that an email to your broker does not itself create coverage — the policy and endorsements bind — but a written record of what you disclosed and what you were told helps establish the chronology if a dispute arises.

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This worksheet is a planning aid grounded in UAVHQ's operator analysis. It is not legal or insurance advice, it does not state regulatory requirements, and it cannot promise coverage or approval; your policy wording, endorsements, contracts, and operating authority control. Discuss your specific operation with your own broker and counsel.