Or do what I do when or if you are too poor to afford insurance, be very careful with your equipment and wish or pray nothing happens. If you are on a field shooting why would you need insurance? You aren't going to be tearing anything up and if you have a shoulder bag with you and just shooting with a camera and a lens or two you don't need it. Just make sure you have some savings to replace any equipment that gets broken because every time you make an insurance claim the rates go up and some companies will cancel over 2 or 3 claims. I have been shooting for more than 20 years and not once ever needed it and never have been asked to show proof of it. I shoot weddings and I make sure I do not have extra lights, cords, stands, etc for anyone to trip over, just a camera and on camera flash for bouncing, that's it.
Its not just insurance for the gear, some places need Public Liability Insurance also. I am in the UK and I have only been asked twice, once for a football game and once for a shoot in a shopping centre. But I prefer the insurance as I make money from photography and it means I get my gear replaced without dipping into my pockets.