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Insurance?

Folks:

How does one go about finding AFFORDABLE (ie, for shoots with no budget) insurance? I'm talking about insurance for the actors (in case a camera falls on their heads), the location (in case a boom whacks a Ming vase and destroys it) and equipment (for that equipment the volunteer crew owns and brought with them). I'm asking about NYC. Where should I look, and who should I avoid?

How important *is* insurance for the above-mentioned items? From my research, it would appear to be beyond our budget (which is awfully small). Is there an outfit which offers a package covering all of these things at something approaching a reasonable rate (ie, for people paying with shoestrings)?

I'd be very grateful for any advice!
 
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