The drone coverage provided by SkyWatch.AI is primary. This means that the policy responds right away. In contrast, excess coverage will wait until all other coverages you have in place are exhausted before paying out.
To request an endorsement with this language, please contact email@example.com.
Except with respect to insurance specifically purchased by the insured to apply in excess of this policy, if there is other insurance in the insured’s name or otherwise, against loss, liability or expense covered by this policy, the Company shall not be liable under this policy for a greater proportion of such loss, liability or expense than the applicable limit of the Company’s liability bears to the total applicable limit of liability of all valid and collectible insurance against such loss, liability or expense, either as insured under a policy applicable to the UAS or otherwise and if such other insurance shall have been written through the Company as primary insurance then the Company’s limits of liability under this policy shall be reduced by the applicable limits of such other policy.