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DJI Care vs Drone Liability Insurance: The Mistake Not to Make (2025 Guide)
Dec
You invest in a professional drone and we talk to you about insurance. But between “DJI Care Enterprise” and “Civil Liability (RC) insurance”, confusion is frequent. Many believe that one replaces the other. This is a mistake that can be costly.
This article has a simple objective: to clarify once and for all the fundamental difference between these two protections. One protects
1. DJI Care Enterprise: Your Drone Breakage Insurance
Think of DJI Care Enterprise as your car’s “all-risk” insurance. Its sole role is to protect your hardware investment, i.e. the drone and its payload.
If your drone is accidentally damaged, DJI Care Enterprise steps in to repair or replace it quickly. This program is an insurance policy directly offered by the manufacturer, DJI, for its Enterprise products. [1]
What does DJI Care Enterprise cover?
- Accidental Damage: Collision with a tree, a building, or a simple fall to the ground.
- Water damage: Accidental disposal in a lake or river.
- Pilot errors: A bad maneuver that damages the device.
- Loss of Control (Flyaway): If the drone disappears in flight without the possibility of recovering it (depending on the plan chosen).
In short: DJI Care Enterprise covers damage to YOUR drone. It NEVER covers damage that your drone could cause to third parties (a person, a car, a building).
2. Civil Liability (RC) Insurance: Protection Against Damage to Third Parties
Civil Liability (RC) insurance is the exact opposite. To use the automobile analogy, it is the
In France and most countries, this insurance is legally mandatory for any professional drone use. It guarantees that the victims of an incident will be compensated.
What does drone liability insurance cover?
- Injury: If the drone injures a person.
- Damage: If the drone falls on a car, damages a roof, or breaks a window.
- Immaterial damage: Financial losses suffered by a third party as a result of the incident (e.g., interruption of a business activity).
In short: Civil liability insurance covers damage caused TO OTHERS by your drone. It NEVER covers the cost of repairing or replacing your own hardware.
Comparison Chart: The Verdict at a Glance
To never confuse them again, here is the summary table.
| Incident | scenario✅ Covered by DJI Care Enterprise? | ✅ Covered by the Civil Liability Insurance? |
|---|---|---|
| Your drone hits a tree and breaks. | YES (Drone Repair/Replacement) | NO |
| Your drone falls on the roof of a car and damages it. Your drone is also destroyed. | YES (for your drone only) | YES (for car repair only) |
| Due to a gust of wind, your drone injures a passerby. | NO | YES (for the medical expenses of the passerby) |
| You drop the remote control, which no longer works. | YES (also covers related accessories) | NO |
Conclusion: two complementary protections, not interchangeable
As you can see, DJI Care Enterprise and civil liability insurance are not in competition, they are complementary. Owning one without the other leaves a gaping hole in your protection:
- Civil liability insurance only: You are in compliance with the law and protect third parties, but at the first breakage, you have to buy a drone worth several thousand euros out of your own pocket.
- DJI Care Enterprise alone: Your equipment is protected, but you are operating illegally and you expose yourself to disastrous financial and legal consequences in the event of damage to a third party.
The only professional and safe approach is to combine the two. Now that this distinction is clear, let’s focus on protecting your gear with DJI Care Enterprise plans.
Focus on DJI Care Enterprise Plans (Basic & Plus)
DJI offers two levels of service for protecting your hardware: Basic and Plus. The Basic plan offers fixed-cost replacements, ideal for keeping your budget under control. The Plus plan, on the other hand, offers unlimited repairs and coverage sharing on a fleet, perfect for intensive operations. [2]
For a detailed analysis of both plans, you can consult our complete guide (link to add to the previous article or a detailed section).
Need to Secure Your Fleet? Let’s talk about it.
Protecting your investment and operating legally are the foundations of a sustainable drone business. If you have any questions about which DJI Care Enterprise plan is best for your drones and your business, our experts are here to help.
Request a consultation or a quote