Personally, I've carried an additional insurance for my laptop and camera equipment. I believe it costs me about 2% of the value of all my equipment per year. I've called them to make sure that if something gets stolen/damaged when I am forced to check in my laptop, it would be covered. They assured me it would be. However the loss of use of such an essential work tool until it can be replaced and all the setup restored would still be non-negligible.