Under EU Regulation (EU) No 785/2004 and Latvian law, all UAS operators are required to hold third-party liability insurance before conducting any flight operations.
Who must hold insurance
Any natural or legal person operating a UAS in Latvia — including hobby pilots — must hold third-party liability (civil liability) insurance that covers the operation. The requirement applies regardless of UAS mass or category.
Minimum coverage
The minimum coverage amount is set by Regulation (EU) No 785/2004 based on the maximum take-off mass (MTOM) of the UA:
| MTOM | Minimum coverage (SDR) |
|---|---|
| ≤ 500 kg | 100,000 SDR |
| ≤ 1,000 kg | 150,000 SDR |
| ≤ 2,700 kg | 300,000 SDR |
For most hobby and commercial drones (< 25 kg), 100,000 SDR applies.
How to obtain insurance
Insurance may be obtained from:
- Latvian insurance companies offering aviation/drone liability products
- Dedicated drone operator insurance providers (available online)
Some drone manufacturers or associations include liability insurance in membership packages.
Official source
Current requirements and links to approved insurers are listed on the CAA Latvia website.