One subject that I've asked about on a few occasions is camera insurance. I
thought I'd share the results of my searches in case other affiliates are
also interested in the subject. In the United States, the lowest deductible
that I've found is $250, and that was for a policy with a minimum premium
of $500. So I'd say that camera insurance is not worth the cost for most of
the cameras that affiliates are likely to be lending, even for affiliates
that have multiple pieces of equipment available for loan. OTOH if
affiliates own and are lending midrange or higher end cameras (For example,
Nikon D750, Canon 5D Mark III, Sony Alpha 7R II, or Pentax 645Z) or
camcorders or lenses, it might be worthwhile to get insurance, especially
if the aggregate value of the equipment is a considerable sum and they're
not covered or have limited coverage in the event of theft or fire from the
property where they're stored when not being loaned. (Some property
insurance policies which would otherwise cover losses from theft or fire at
businesses may have lower limits and/or higher deductables for electronics
such as cameras.)
Note that getting riders on insurance for private individuals (as opposed
to organizations like affiliates) is often far less expensive, at least in
the U.S., than getting the kind of commercial camera insurance that applies
to affiliates. My personal camera equipment is insured at quite reasonable
rates, and I would encourage Wikimedia photographers with even a few
hundred dollars' worth of private camera equipment to contact their
personal property insurers about getting camera insurance. This way, if I'm
at Wikimania and my personal camera goes missing, the loss is covered.
HTH,
Pine