depends on you attitude to risk, on insurance forms it asks what you occupation is, not occupations, some folk don't like to leave anything to chance, take out maintenance contracts for instance, or extra insurance for bass gear, other weigh up the risk and decide whether to take it or not, me? the chances of having an accident and then the insurance company finding out you were going/returning from a paying gig and then saying you're not insured are about the same as me winning the lottery, but at the end of the day it's what you feel comfortable with