Sounds like a GetDPI Group Policy opportunity ... hint, hint, Guy and Jack ... :ROTFL:
Here is a cautionary tale ...
First off, I have a bias based on experience ... I think insurance is how the Mob went legit ... and if the trail were followed back, it'd end at Lucky Luciano and Meyer Lansky
If not for lobbyists, I think some of these insurance schemes would be deemed "Racketeering".
I had a rider on my home owners policy which was called "All Inclusive" ... it wasn't
all inclusive in the way it implies.
If you do landscape photography and sell anything ... and I mean anything, even one print, then it requires a business policy. I once made a claim for damage while shooting a FREE wedding for a friend ... but because I was in that part-time business, and the friend paid my expenses, the claim was denied. Only personal use is covered by homeowners policies. Even my insurance agent didn't know that about my so called "All Inclusive" policy ... it was buried in 6 point type in the 20 page insurance document that no one reads.
If you have a business policy and use your gear on vacation or to shoot your kid's birthday, any loss claim can be denied because it wasn't for business. A pro friend of mine was robbed of his Nikon kit at gun point while on vacation, and his claim was denied because he wasn't working.
Insurance companies are very sweet and accommodating when selling you a policy, yet often vague as to all the possible claim scenarios, saying that is the claim adjuster's area of expertise ... an expert you get to talk to only when you make a claim. IMO, their job is to somehow find a way to deny the claim. It goes from sweet and accommodating, to grilling you like you are a criminal intent on fraud. A few bad people makes it hard for all the rest of us honest citizens. I have had a majority of claims denied over the years based on a 6 point technicality. Some pretty shaky in logic, but denied anyway. You can appeal, but then you are in for quite a ride. The burden then shifts to you, not the insurance company.
IMO, camera equipment coverage should be very specific, even if the policy doesn't require that it all be line listed with model designations and serial numbers. Double check that they get the descriptions exactly as you list them ... twice I've found incorrect listings which would have led to a lesser value if I had made a claim.
Don't assume that a blanket policy for personal liability will cover all accidents involving your gear (dropping a camera on a person, or tipping a tripod over on someone). I have 2 liability policies ... one personal and the other business.
Paranoid? Perhaps ... but better safe than sorry when the time ever comes to make a claim.
-Marc