Air Pixels
Early Access Open v1 Underwriting • Claims

Drone Data for InsurersDrone risk data for underwriters and claims teams.

Normalized risk attributes for 98 airframes from 29 manufacturers, and claim-inspection rates for 100 US metros. Compiled from manufacturer published specifications, with the formula behind every derived figure. Delivered over REST, a hosted MCP server and CSV or JSON files.

Request Insurance Access Request the Data Sheet

Attributes, not a rating Estimates flagged on every record

Airframe Risk Profile
data_as_of 2026-11-06
DJI Mavic 3 Thermal (M3T)Enterprise thermal • Released 2022
Replacement cost, new
$5,499
Field kit replacement
$7,204
Take-off weight
920 g / 2.03 lb
Impact energy, screening figure
over_25_ftlb86.9 ft·lb
Obstacle sensing
6 directions
Rated wind limit
26.8 mph
Battery
77 Wh
specs_estimated
true
GET /v1/insurance/airframes/dji-mavic-3-thermalOperator and up
Airframes Profiled
98
29 manufacturers • 8 classes
US Metros Priced
100
Metro price index 0.84 to 1.32
Insurance Endpoints
4
Each mirrored by an MCP tool
Source-Verified Records
16 of 98
The other 82 are flagged as estimates

Who It Serves

Two buyers, one dataset.

Some carriers insure the drone. Others send one to the roof. Both work from the same records, filtered for the question in front of them.

Insurers, MGAs and aviation brokers that write drone hull and liability cover.

What You Need

Normalized per-model facts to rate and check a risk: replacement value, weight, energy on impact, safety features, wind limits and battery facts.

What You Get

Airframe Risk Profiles

One schema across 98 airframes: list price new, field kit cost, take-off weight, impact energy band, obstacle sensing, rated wind limit and battery Wh.

GET /v1/insurance/airframes
What You Need

A way to check the conditions on a loss date against what the aircraft is rated for.

What You Get

Operating-Envelope Check

Wind, gust, temperature and elevation compared with the rated wind limit and modeled endurance, returned with machine-readable flags.

POST /v1/insurance/envelope
What You Need

Income benchmarks for loss-of-use claims from drone operators.

What You Get

Operator Income Benchmarks

Hourly, half-day and day rates at low, typical and high for 100 US metros, with the operator tier each column describes.

GET /v1/insurance/income-benchmarks

The Insurance Dataset

Four resources. Every field traceable.

Dataset code insurance, on the same keys, metering and response envelope as the rest of the Data API. Every field is a Hardware Index value or a simple derivation of it. One call returns up to 100 records.

MCP • get_insurance_risk_profile

Airframe Risk Profiles

The facts an underwriter asks for, per model: replacement cost new, field kit cost, take-off weight, estimated impact energy with its screening band, obstacle sensing, prop guards, IP rating, rated wind limit and battery energy. Filter and sort on any of them.

replacement_cost_new_usdfield_kit_replacement_usdweight_gimpact_energy_ftlbimpact_energy_bandobstacle_sensing_directionsrated_wind_limit_mphbattery_whspecs_estimated
GET /v1/insurance/airframesOperator and up
MCP • check_operating_envelope

Operating-Envelope Check

Compare the conditions on a loss date, or planned operating conditions, with an airframe's rated wind limit and modeled endurance. Send sustained wind, an optional gust, temperature, elevation and battery reserve for up to 100 airframes per call.

wind_margin_mphwind_pct_of_limitover_wind_limitgust_over_wind_limitusable_flight_minendurance_pct_of_brochureflagsmodel_version
POST /v1/insurance/envelopeOperator and up
MCP • get_claim_inspection_costs

Claim-Inspection Cost Benchmarks

Low, typical and high cost of a drone claim inspection in 100 US metros, with multipliers for commercial and catastrophe work, volume from 1 to 20 properties and priced add-ons. The numbers are identical to airpixels.com/drone-pricing.

metromarket_indextotal_low_usdtotal_typical_usdtotal_high_usdper_property_typical_usdadd_onsprice_factors
GET /v1/insurance/inspection-costsOperator and up
MCP • get_operator_income_benchmarks

Operator Income Benchmarks

Hourly, half-day and day rates for drone operators by metro, for loss-of-use and business-interruption checks. The US benchmark runs $150 / $250 / $400 per hour and $1,200 / $1,800 / $2,500 per day at low, typical and high.

hourly_typical_usdhalf_day_typical_usdday_typical_usdmarket_indexoperator_tiersupdated_atmethod
GET /v1/insurance/income-benchmarksOperator and up

Try It • Operating-Envelope Check

Was it flown inside its limits?

Compare the conditions on a loss date with the airframe's rated wind limit and modeled endurance. Pick a sustained wind to see what the check returns.

AirframeDJI Mavic 3 Thermal (M3T)
Conditions on the Loss Date
Temperature
40 °F
Elevation
5,280 ft
Reserve
20%
Sustained Wind
Request
GET /v1/insurance/airframes/dji-mavic-3-thermal/envelope
  ?wind_mph=25&temp_f=40&elevation_ft=5280&reserve_pct=20

Preview of the v1 interface. Production credentials are issued to early-access teams.

Inside the limit, within 20% of itCaution
Rated Limit
26.8 mph
Manufacturer wind resistance
Margin
+1.8 mph
Rated limit minus wind
Wind vs Limit
93%
Of the rated limit
Usable Flight
20.7 min
Brochure 45 min • 46% of it
Model Factors
wind_factor 0.7918temperature_factor 0.9145elevation_factor 0.8522
Flags Returned
wind_within_20pct_of_limitcold_battery_deratehigh_elevation_derateendurance_below_half_of_brochure

Planning estimate from the Air Pixels field model. Manufacturer limits govern.

Try It • Claim-Inspection Cost Benchmarks

What should a drone claim inspection cost?

Claim documentation for a residential roof or hail loss, priced at 1, 5 and 20 properties. The base package is a geo-tagged photo set of every slope and elevation plus a measured roof report, delivered in 24-48 hours.

Market
United States benchmarkGET /v1/insurance/inspection-costs?metro=us
Drone claim-inspection cost benchmark for the selected market, residential roof or hail, at 1, 5 and 20 properties
Residential Roof or HailLowTypicalHighTypical / Property
1 property$150$275$450$275
5 properties$600$1,000$1,600$200
20 properties$2,000$3,200$5,000$160

Swipe the table to see every column →

Typical Per Property at 20$160Against $275 for a single property
Metro price index1.00
Commercial×1.6
Catastrophe deployment×1.3

Modeled benchmark: national anchors × metro price index. Not transaction data. As of Nov 3, 2026. Source: airpixels.com/drone-pricing/insurance-claims

Scope & Limits

What this data is, and is not.

Attributes, not a rating. Normalized facts and transparent calculations. There is no risk score: Air Pixels has no loss or claims history, and a score without loss experience would be invented.

What It Is

  • Normalized manufacturer specificationsCompiled from manufacturer published specifications into one schema: 98 airframes, 29 manufacturers, 8 classes.
  • Transparent formulasImpact energy is ½ × mass × speed², with speed capped at 16 m/s. Metro rates are national benchmark anchors × a metro price index. Every derived figure can be recomputed from the record.
  • Provenance on every recordEach row carries source, method, verified_at and data_as_of.
  • Estimates, flagged82 of 98 airframes carry specs_estimated: true: some specs are not yet checked against a published source. 16 have a verified_at date.

What It Is Not Yet

Not in the data today:

  • Loss or claims history by model
  • Units in service
  • Used-market or depreciated values
  • Payload prices
  • Repair costs
  • Manufacturer operating temperature limits
  • Remote ID and operations-over-people declaration-of-compliance status
  • Country of manufacture or NDAA status
  • Pilot or flight-log data
Screening figureImpact energy does not decide eligibilityFAA Part 107 Subpart D uses 11 ft·lb (Category 2) and 25 ft·lb (Category 3) injury-severity limits, but eligibility needs an FAA-accepted declaration of compliance.
Modeled benchmarkRates are not transaction dataMetro rates are national benchmark anchors × a metro price index, 0.84 to 1.32. They are not a survey of each metro. Benchmark date Nov 3, 2026.
Planning estimateThe envelope check is not a flight testIt runs the same engine as airpixels.com/drones, model version dce-engine-2026-11. Manufacturer limits govern.

Need a field on that list? Carriers can commission the missing fields as research under a Fleet License.

Pricing & Licensing

Three ways to buy.

Query it from underwriting and claims systems, load it as files, or read the claim-inspection benchmark as a report.

Data API

Operator Plan

For underwriting and claims systems and AI agents.

$299/ month
150,000 calls a month • insurance endpoints included
  • 4 insurance endpoints over REST
  • 4 matching MCP tools for AI agents
  • One call is one request, up to 100 records
  • Same keys and metering as the rest of the Data API
Get API Key

Insurance Data Pack

CSV + JSON

For actuarial and analytics teams that want files.

From$1,200per dataset / year
Annual file license • internal use
  • Airframe risk profiles, 98 rows
  • Claim-inspection costs by metro, 3 jobs × 101 markets
  • Operator income benchmarks, 101 rows
  • Data dictionary and license summary
Request a Data Pack

Benchmark Report

PDF

For claims leaders, vendor managers and IA firms.

$300
One-time purchase • Single-organization license
  • 2026 Drone Claim-Inspection Cost Benchmark
  • Low, typical and high cost per property
  • 100 US metros against the US benchmark
  • Built on the Nov 3, 2026 benchmark
Online checkout opens soon. Request it here and we will send a payment link.Buy the Report

Fleet License. From $1,500 / month on an annual contract: redistribution, custom fields and commissioned research for data not in the set yet.

Talk to Data Sales

FAQ

Questions underwriters and claims teams ask.

Is this a risk score?

No. These are attributes, not a rating: normalized facts and transparent calculations. Air Pixels has no loss or claims history, and a score without loss experience would be invented.

Where do the specs come from?

They are compiled from manufacturer published specifications. 16 of 98 airframes carry a verified_at date. The other 82 carry specs_estimated: true, which means some specs are not yet checked against a published source.

How are metro rates built?

National benchmark anchors multiplied by a metro price index, from 0.84 in McAllen to 1.32 in San Jose and the San Francisco Bay Area. They are modeled benchmarks dated Nov 3, 2026, not transaction data and not a survey of each metro.

Can we use it in rating or claims decisions?

It is an input, and your own actuarial and legal review applies. Impact energy is a screening figure that does not decide Part 107 eligibility. The envelope check is a planning estimate, and manufacturer limits govern.

What is missing?

Loss or claims history by model, units in service, used-market or depreciated values, payload prices, repair costs, manufacturer operating temperature limits, Remote ID and operations-over-people declaration-of-compliance status, country of manufacture or NDAA status, and pilot or flight-log data. Carriers can commission these fields under a Fleet License.

Can AI agents query it over MCP?

Yes. Four MCP tools mirror the endpoints: get_insurance_risk_profile, check_operating_envelope, get_claim_inspection_costs and get_operator_income_benchmarks. They follow the same plan gating as REST and are metered per call.

Request Access

Put drone facts in your underwriting and claims files.

Ask for insurance API access, the Insurance Data Pack, the benchmark report, a Fleet License or the data sheet. We onboard early-access teams in batches and reply from support@airpixels.com.

  • Insurance endpoints on Operator and Fleet License
  • Insurance Data Pack as CSV and JSON files
  • Benchmark report for $300, one-time purchase

Prefer email? support@airpixels.com