Since this thread was posted I have taken the time to look into some insurance, and some from the providers that some of you have mentioned on this thread, and have found that it is a major challenge to find something affordable that can cover more than, say, $10K in equipment. My homeowners policy rider, in the amount to cover my equipment, would be nearly $2,000 per year but would not cover more than $10K in losses or damage outside of my home, which is where I would need the insurance coverage the most....I checked with Hiscox and their insurance would only cover up to $10K...anyone out there got anything that would cover, say $50K worth of equipment at a cost say $1,000 per year instead of $2,000...I you join the North American Nature Photographers Association (NANPA), you can sign up for insurance through Rand/Chubb. My one claim experience was very positive and it is true commercial photography insurance so there's no need to worry about affecting your homeowner's policy or having a claim rejected due to "commercial use" or anything like that. It's $0.0245 per dollar of insurance (you determine the full replacement value) so $10k of insurance would be $245 a year + $100 annual NANPA membership fee - $345. I have well over $10k worth of gear insured and I'm sure George Lepp and others (who use their insurance) do as well. NANPA's pretty cool, too, so the $100 isn't a waste at all.
Get a quote from Hill and Usher.