[rhino369]

I think it's an insurance term that separates out two different risk profiles. Random theft (breaking into a car, pick pocketing, etc.) is a fairly low and known risk. It's therefore easy to ensure.

But if you rent your camera out every day, eventually some fraudster will steal it by not returning it. And the risk of that happening likely depends on how well the renter is screening prospective renters. That makes it tough to insure. KikSplit says its a 1/1000 occurrence, but you can't just charge a .1% premium because if KikSplit does a shitty job of keeping out fraudsters, then it might be 2/100. Things that are tough to insure are expensive to insure.