I personally don't have a backup pro body but I do have a mirror less camera that I can use if needed for my assignments. It still shoots in RAW and has the capability to swap out the lens. I wouldn't rely on this camera though if I was doing pro job like a wedding or a Sweet 16. If you can not afford to purchase back up equipment then make sure you rent something to use for those jobs.
There are many rental companies that are available to rent all types of equipment. Depending on how long you need to have the rental equipment it is always cheaper to purchase it is you need something for weeks at a time. However if you just need it for the weekend then by all means rent it. When choosing a rental company you need to look at how they have the rentals set up. Most of them will place a hold on your credit card for most of the replacement cost of whatever you are renting. While this doesn't matter to much with a regular credit card, this can make things very difficult if you are using a debit card. Now suddenly your bank account shows no funds because it is reserved just in case you brake or loose the rental equipment. There are many different rental companies so it doesn't hurt to google them and shop around. Also some of your local camera stores may offer rentals as well.
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