Insurance for part-time staff?

I'm employed part-time by the local recreational sports league and was wondering how I should approach the issue of gear insurance.

The position requires I have my own gear and that I supply them with a finished product (i.e. JPEGs primarily for their website). I get paid for shooting, editing, and mileage.

I currently have no insurance on my gear (I need to look harder) but was wondering if the league should be pitching in on the premiums.

Thoughts?

If a camera breaks tomorrow, can you afford a new one?

If the answer is no, you need insurance.

Whether or not the league pays for that premium is a negotiation you need to have with your employer. Just like all employment, this is negotiable as any other compensation is.

Should you have insurance, absolutely.

Do i think the league will pay for it, probably not.

All your operating costs should have been a factor in how you arrive at what your fee is. I think it would be hard to go back and get that fee increased now.

Also there are venues that won't even let you shoot without basic liability coverage.

Should they be pitching in on the price of buying new gear as well?

I doubt they care if you have insurance or not. That is for you to purchase.

JacobPhoto wrote in post #16194944
If a camera breaks tomorrow, can you afford a new one?

If the answer is no, you need insurance.

Whether or not the league pays for that premium is a negotiation you need to have with your employer. Just like all employment, this is negotiable as any other compensation is.

Yes I could replace a camera but the outlay would suck.

Addiction2k wrote in post #16195331
Should you have insurance, absolutely.

Do i think the league will pay for it, probably not.

All your operating costs should have been a factor in how you arrive at what your fee is. I think it would be hard to go back and get that fee increased now.

Also there are venues that won't even let you shoot without basic liability coverage.

I'm not a contractor so I don't see the need for liability coverage, I assume I would be covered under the league's coverage if such a thing even exists.

Willie wrote in post #16204713
Should they be pitching in on the price of buying new gear as well?

I doubt they care if you have insurance or not. That is for you to purchase.

Perhaps not but maybe I can negotiate some kind of allowance for insurance and wear / tear on equipment.

Thanks for the responses!