UNMANNED AERIAL VEHICLES (UAV) (DRONES) COVERAGE . is needed by any commercial operation that uses unmanned aerial vehicles as part of its operations. It covers the bodily injury, property damage, and personal and advertising injury that can occur. Some coverage will include the physical damage to the vehicle itself. The liability coverage can be added by endorsement to a commercial general liability policy, but a separate inland marine or aircraft policy is needed to protect the vehicle.