Well you can always come to the UK, where you're free to take photographs on public land, without need for insurance/liability policies, and no need for permits either.
Well, you're lucky.
I cannot even take photos in my own house since the CCR's stipulate we are not zoned for any commercial business, i.e. take a photo for a mag is illegal in my house unless I did it in a commercially zoned area. Pros are always going after new people trying to run a shop out of their house. Hand one of them a business card with you home address and expect trouble with zoning. Amazing.
Seems the word "Lawmaker" is just that: "The job is to write more laws, and some with my name on them too." At some point, where does it become a police state if all they do is sit and dream up even more laws? I was sort of surprised that this one appeared to be a roll-back on taking photos in national parks that may require a bunch of permits filled out well ahead of your visit so they can verify your insurance, intent, how much extra to charge, etc.
Yeah, I need to write my congress person too - like they'll listen unless I pay them. :-
SG