The P.P. of A. Has many full-time professional photographers, many operating on a very high level with bonafide certifications and masterships. There are also many part-timmers and aspiring professionals. This has absolutely nothing to do with the insurance coverages they offer. The insurance plans that they offer may or may not accommodate every professional. There are many factors to be considered in buying into any comprehensive business insurance plan: The value of your equipment inventory, your brick and mortar premises if you have that, the gross and net amounts of business that you do, the degree of indemnification you require based on you exposure to perils and non-performance claims, and more.

My advice is to deal with a reputable local insurance broker who can assist you in anaylizing your exact requirements and find the best carriers for your situation. I have done this for many years and receive great professional service. The same office looks after my home, car, life, and all insurance relating to my business. My broker familiarizes me with the "fine print" and makes certin that I won't run into issues in the event of a claim.

Things to consider are replacement values (new or value assigned to aged or used condition), perils such as fire, theft, water damage, coverage in the event or natural disaster or public commotion (often excluded), the company's requirement for security equipment such as alarm systems and locks, etc. and deductibles.

If you can buy your insurance throug a professional group and save money on premiums, that may be an advantage but it is up to the buyer to make sure that the coverage is adequate for their individual needs.
Shop around or have a professional broker shop for you. lI am dealing with a local broker who's office is 3 blocks form my studio. Thet want to keep my business and they keep me covered properly.