GET INSURANCE! Like, today. Then make sure you know how much your deductible is and put that dollar amount into an envelope, a sub account, anywhere separate from day-to-day funds. Now your worst case scenario has extremely low impact!
I use to have coverage of $20-30,000 worth of gear $10,000 worth of computer related inventory along with the common liability stuff and it ran in the mid $400s for the year. That’s a pretty low cash amount for peace of mind!
Last month I found out my deductible went up to $1,000 (somehow that snuck past me) when a camera got knocked over. When I called to ask how much my principle would jump by lowering it to $500 the answer was THREE DOLLARS… for the YEAR! I was a bit upset.