Drone insurance in Finland

What the rules say

Each line is resolved from published facts of Finland. "Not resolved" means the corpus does not answer it in a machine-checkable way — never that the law is silent.

• Insurance requiredConditional
• ScopeConditional
• Weight threshold20 kgConditional
• Commercial triggerConditional
• Minimum cover0.75 million SDRConditional
• ExceptionsNo
• Proof requiredNot resolved

What changes the answer

The published rules distinguish the certified, open and specific categories of operation.

• other

  Insurance cover at or above 0.75 million SDR

• weight threshold

  Take-off mass below 20 kg

The rules behind this answer

• Binding lawNational ruleOPS M1-32 · Article 3

  Commercial drone operations in Finland

  UAS operations in Finland are performed in the 'open', 'specific' or 'certified' category according to the risk of the operation; operations in the 'open' category are not subject to any prior operational authorisation or operational declaration, whereas operations in the 'specific' category require an operational authorisation or a declaration.

  Open the requirementOfficial source
• Binding lawNational ruleOPS M1-32 · 138 §

  Insurance requirement in Finland

  Insurance against damage arising from aviation is governed by Regulation (EC) No 785/2004 on insurance requirements for air carriers and aircraft operators, and by the air traffic management implementing regulation. Traficom is responsible for the Member State tasks under Article 8 of the aviation insurance regulation.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Contents of an Operational Authorisation Application

  The application for an operational authorisation shall be based on the risk assessment referred to in Article 11 and shall include the specified operator registration, manager name, risk assessment, mitigation measures, operations manual (if required), and insurance confirmation.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Declared standard scenario operations require confirmation of insurance cover

  A declaration by a UAS operator shall contain confirmation by the UAS operator that an appropriate insurance cover will be in place for every flight made under the declaration, if required by Union or national law.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Minimum third-party liability insurance for aircraft below 500 kg MTOM

  Insurance in respect of liability for third parties shall be at least 0,75 million SDRs per accident for aircraft in Category 1, meaning aircraft with a maximum take-off mass of less than 500 kg.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Model aircraft under 20 kg are outside the EU aviation insurance regulation

  Regulation (EC) No 785/2004 shall not apply to model aircraft with a maximum take-off mass of less than 20 kg.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Operational authorisation applications require confirmation of insurance cover

  An application for an operational authorisation shall include a confirmation that an appropriate insurance cover will be in place at the start of the UAS operations, if required by Union or national law.

  Open the requirementOfficial source
• Binding lawEU/EASA framework rule

  Operator registration records an insurance policy number where insurance is required

  The registration systems for UAS operators shall provide the fields for introducing and exchanging an insurance policy number for UAS if required by Union or national law.

  Open the requirementOfficial source

Official sources

• Commission Implementing Regulation (EU) 2019/947 on the rules and procedures for the operation of unmanned aircraft — consolidated text — Finnish Food Authority (Ruokavirasto)Open
• Traficom regulation OPS M1-29 – UAS-ilmatilavyöhykkeet (TRAFICOM/889098/03.04.00.00/2025) — Finnish Food Authority (Ruokavirasto)Open
• EASA Easy Access Rules for U-space (Implementing Regulation (EU) 2021/664), May 2024Open
• Commission Delegated Regulation (EU) 2019/945Open

Known limitations

• Binding law and official guidance disagree on insurance.operation_scope; the binding position is published.
• 1 dimension(s) of this topic are not expressed in a machine-resolvable way by the published corpus and are reported UNKNOWN, never FALSE.

Other drone rules in Finland

• Do I need to register my drone in Finland?Registration in Finland is governed by a published mass threshold of 0.25 kg, alongside the further conditions cited below. Whether it applies to a given flight depends on those conditions, each cited to its rule.
• Do I need Remote ID in Finland?Remote identification in Finland is framed by a published mass threshold of 25 kg, together with the aircraft and operation conditions cited below. Whether a given flight must carry or broadcast an electronic identity depends on those conditions.
• What is the maximum drone altitude in Finland?Drone flights in Finland are held to a published general height limit of 120 m above_nearest_obstacle. The limit is not absolute: the published conditions that change it are cited below.
• Can I fly a drone near an airport in Finland?Drone flights near aerodromes in Finland are governed by airspace and aerodrome restrictions: whether permission is needed depends on the airspace, distance or aerodrome type published below.
• Can I fly a drone at night in Finland?No. A published rule in Finland prohibits night operations for the operations covered here.
• When does a drone operation need authorisation in Finland?Whether an operation in Finland needs prior authorisation depends on the operational category, risk class or location: the published triggers below decide it.
• What training do I need to fly a drone in Finland?Remote pilot competency in Finland scales with the operation: which training, examination or proof of competency applies is set by the published conditions below.

All drone laws in Finland