Well, with the rapid speed and customer service of most old companies, today I finally received my insurance policy for my camera and computer equipment (herein after "business personal property.") I figured it was as good a reminder as any- if you're not insuring your camera equipment add up those equipment dollars! While some homeowner's policies cover this stuff, many don't cover it if you're using it for commercial purposes. Also, if you make a claim and your homeowner's policy is cancelled it voids the mortgage if you dont' get a new one, and that can be a very expensive proposition. Mine covers ~34k of equipment, liability if someone trips over my tripod during a shoot, and pretty much everything except floods and terrorism. It's a whopping $500/yr. You can spend less- I didn't do a lot of haggling, as I'd added up just my camera equipment for both North American Nature Photography and Nikonians.org's inland marine policies (neither of which cover my Macbook Pro or liability) and the delta was about $10/month. Inland Marine policies cover theft, damage from dropping, etc. They're generally "scheduled" which means you need to provide a list of at least the more expensive items and their serial numbers to have the items covered (there's usually a limit on how far down the price list you have to go to have to add an item.) My policy is unscheduled, but I'll still need all the numbers for claims I'm betting. Anyway, just a friendly reminder- when I totaled up my investment and factored in the professional use I knew I had to do it.