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In this video, Ray discusses the importance of gear and equipment coverage, specifically inland marine insurance, for photographers and videographers. He addresses the commonly asked question of why such coverage is necessary, highlighting the high costs of lenses, lighting, and other equipment. Without proper insurance, individuals risk facing substantial out-of-pocket expenses for repairs or replacements if their gear is damaged or stolen. Ray emphasizes that lacking gear can lead to missed job opportunities and lost income, making it crucial for professionals to choose the right policy to protect their investments and ensure their business continuity.
