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Message: <blockquote data-quote="480sparky" data-source="post: 238145" data-attributes="member: 15805">Be warned:Some carriers are darned picky about 'professionals'.  If your gear is for strictly personal use, they're good with selling you a policy.  But even if you've sold one 4x5 print 20 years ago, they deem you a professional and will either charge you 10x, or refuse coverage.Other carriers will only cover gear used by professionals.  So unless you pay for your kids' college education, pay your mortgage and buy cars by clicking shutters, you may find yourself SOL when making a claim.Insurance companies are more than glad to sell you a policy.  All they want is paid.  The problems arise only after a claim is made.... they abhor writing checks and will do everything they can to keep from doing so.</blockquote>