I use a very good and reputable independent insurance agent that works with about 20 different insurance companies. It enable him to put together quotes from a few different companies and get the best combo of price and coverage. For instance all of my equipment is covered along with $4 mil yearly liability with $2 mil aggregate. Most location require 2 and 1 mil coverage, but 4 and 2 defiantly adds to the professionalism. Total yearly coverage from the Hartford Group is less than a grand; I do not have a studio and always shoot on location which may make a difference.
E-mail me if you want the name of my agent, I believe that he is licensed in NJ, firstname.lastname@example.org
I should also add that I know a couple public adjusters and my agent is one of the few they say actually knows what he is doing. I say this primarily so that you know if you go the independent agent route that you get a good agent, or the package that can be put together will be lacking in some areas. You also may considering getting your eyes insured; I do not but some photography plans include it.