There's an old story in commercial photography...

...a photographer and his new assistant are doing a shoot on a boat. The boat pitches and the photographer drops the camera overboard. The new assistant, being a real go-getter, tears off his shoes and dives overboard. He pops up with the camera in his hand. The photographer then puts his foot on the top of the young fella's head and says, "Thanks a lot but it's insured against LOSS but not DAMAGE...put it back down there.", and he gives the assistant a shove back down to send him on his way.

Insurance?

Best

AA