There's hardly any insurance covering accidental damage. That would be card blance for abuse. Careless acting calls for monetary punishment
- The only case that I know of is Courts, they offered an 'extended warranty" 3 years ago that also included accidental damages. But you only get it when purchasing the camera from them.
Secondly: the value of the equipment decreases fast, doesn't make sense to get any insurance. After one year you can get the same model for less money. But you pay insurance premium for your initial purchase value.
Setup your own insurance: put aside 100 bucks per month and if you bang your lens against some rocks you take the saved money. If you are careful enough you still have the money for other things, the money paid to insurance company is gone.
Theft is either covered in household insurance or travel insurance. Check the fine print for the details.