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I am an agent. However, I have not hired a drone operator. Only placed their coverage.

One of my clients uses their drones for environmental aerial inspections. There are others that do real estate inspections and aerial photography. Others use theirs for wildlife population surveys.

I didn't realize your original post was several months old. You are correct about the insurance coverage. That is what I found for my clients.

I recommend general liability and UAV liabilty policies at a minimum. The UAV coverage can be purchased on a per year or per flight basis. Whether you insure the drone for physical damage or not is up to you to decide if it is worth it.