1. Your kit - you can't keep your eye on it all of the time.
2. Public liability - in case somebody trips over your camera bag and breaks a leg.
3. Professional indemnity - in case your clients are so unhappy with your work they decide to litigate, or you have a catastrophic technical failure.
It's expensive but it gives you considerable peace of mind. I have mine with AUA insurance.
Check out my work here: Kent photographer
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