What accident insurance can I buy with a camera?

Usually, it is not easy for insurance companies to determine the loss and/or compensation of this kind of insurance in practice, so insurance companies feel that it is too risky to set up this kind of insurance, or the business is not easy to carry out, and the scope of damage and loss of photography (photographic equipment is not managed by a traffic police third party like a motor vehicle, and it will not easily cause personal injury to a third party like a motor vehicle) is not well defined, and citizens' credit system is incomplete, so they are worried about the risk; Either you don't think it's worth insurance at all, even if you do, in case of an accident, the insurance company may not have the opportunity to accompany you.

So both sides are worried, so there is no business.