This thread highlights the difficulty some members have in obtaining insurance coverage for camera gear. Like the OP in that thread, I discovered the Nikonian group got together with an insurance carrier and now offer coverage to members.
If we got enough POTN members together, would this be a viable business idea for POTN? Obviously, it would require a large number of members for any insurance carrier to be interested. Or we could contact the Nikonian group and see if they would be willing to divulge how they went about creating their insurance offering.
Just a thought.