This may not apply to your country nor state if you are in USA, nor even your insurance company. I was concerned about liability issues with regards to my drone causing damage and/or personal injury and was prepared to purchase liability insurance for me, while using my equipment. I am insured with USAA and since I'm a hobbyist, my homeowner's insurance, which includes liability insurance covers my drone activity. Of course this is not equipment. I am located in Florida, USA.