My friend Derek tried to get an insurance policy for his camera gear. He’s invested in some great equipment, but photography is his hobby, so he opted for a personal policy. As it turns out, he’s not eligible for a personal OR a commercial policy. I know a lot of photographers who would fall in this weird, uninsurable middle ground, and I’m amazed that there’s not a good policy for people considered to be freelancers. Peter Parker would have been totally screwed.
This is, unfortunately, not a new problem (as several of the links in the comments will explain), but it’s completely ridiculous. I don’t know what it is about the Internet that makes people think they can steal photos or other content and use them to make money. It’s even more egregious that this photographer had a CC license that explicitly explained how his pictures could be used. I hope he’s able to get some money from the Gap for their infringement.