This didn't happen, but it got me thinking about the possible scenario:
So I was at my Mom's house yesterday (Happy late Mothers Day to all Moms on POTN), and my Mom wanted a few bird shots. So I set up my camera on a tripod in the back yard, pointed at a feeder and set a remote trigger. I went into the house and waited.
About a hour later, my brother let's his dog out the back door, and this little guy goes running around the yard chasing butterflies, etc. He came really close to running into my tripod and potentially knocking it over.
So I got to thinking, if the camera would have been knocked over, broken, etc; who should pay for the repair cost? Me because I am always responsible for my gear and it's care? Or the person (in this case my brother) who let their dog out and the dog hit the tripod?
I can see this happening in say a park where photographers are shooting while dogs are playing etc. I'm sure there are hundreds or similar scenarios.


). Insurance though is the best approach and helps you avoid nasty situations should an accident happen - especailly if several £/$1000 worth of gear gets damaged in the process!
