Generally, most liability is waived in the contract. I have a standard line about "Jamie De Pould takes a great deal of care with respect to image loss, blah blah, but will not be held liable for circumstances out of his control." Something like that.
It's a good idea to carry liability coverage for accidents, you never know what might happen.
All of this is separate from your commercial policy covering your equipment. If you're working for pay, your homeowner's/renter's policy is probably null and void.
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