Gary,

I'm no 'PRO' but my equipment has an insurance since the very first day I started playing gigs. (1975)
In our country (NL) musicians can have an insurance but one important restriction : Never leave equipment in your van or car during the night, while the car is 'unprotected' outdoors. You need a lockable garage if your want to leave equipment in cars/trailers.

Sometimes it was pretty 'scary' while playing, but no real accidents happened during the 29 years of gigging.

Roel

[This message has been edited by Roel (edited 02-06-2004).]