What insurance benefits do you buy on the day of the photo tour? It is best that both the company and the customer team can enter the insurance amount.

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 develop, 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 that the risk is high; 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.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.