Is to have a second backup set. Photographers (the ones I know) carry no less than 2 cameras. Some have 4 and a dozen lens.
As to the motherboard, it's possible that no spares are available and these warranties don't cover when the maker has no spares.
Not much has changed over the years. If this is your business you plan for this. Some learn this like you, others learn from forums and your experience.
Bob
i do not know if this is the right forum to post to, but i want to post to help people just incase they are considering Squaretrade as a warranty provider...so i got my laptop from TigerDirect and purchased the squaretrade warranty cause i thought it was a good idea.. It had Accidental Coverage too.
about a month ago my USB ports stopped working.. nothing i did would revive them.. I started a claim with squaretrade and they gave me a claim# etc to bring it to the tigerdirect store. after a day or so TigerDirect called to say that they cannot find a replacement motherboard since the motherboard was the issue. they reinstalled everything and it wasn't working...at that point they said there is nothing they can do but to ask for my money from squaretrade
so i picked up my computer called squaretrade and they said they have to look at it and try and fix it... so they will send me a box.. that was March 3rd 2015.. they said it would 2 business days... it's now March 20th and i still don't have the box... i've called 4 times and each time they said it was on enroute.. today i called and the guy said there was an issue with FedEx and that the claim has been on hold and they have to reopen my claim! ***!!
my laptop is used for my business where i run a photobooth and i have usb devices connected to run the touchscreen monitor, printer, camera etc etc... my next event is this weekend and i won't have my laptop!
so if your considering to purchase squaretrade please consider that you will only get help from offshore agents that are taught to follow a script and they will not answer your questions directly and say what they are trained to say.. if you do sign with them then make sure ur getting proper information! I was going to use them for my New Cell phone but i am going to consider another warranty option.

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