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Re: Equipment insurance
I use Morgan Richardson for my insurance. It is not cheap at around £300 a year but it covers £10,000 worth of equipment (including in water use), it has employers liability built in (which was handy as it covered me when I had work experience students with me earlier this year) and it has overseas cover.
If you really need business cover I think they could be worthy of consideration. Re settling of claims I am pleased to say that I have no experience of this to date - largely due to when I slipped on the rocks I pull the tripod over with the 600 lens but managed to land on my back with the lens across my chest!!
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