Mine runs 1600. down to the wire. Includes truck as a commercial vehicle, liability to both trailers. Comprehensive on all equipment. Covers losses year round to entire inventory which is listed. If it isn`t listed on your policy including serial #...., it is not covered. I used to pay 379 a year until my independent agent pointed out all the loopholes of the policy. They go by gross income so if its just a sideline you can welch on rates. When its your entire livelyhood those items have to be listed. They also audit every year (payroll) determines exposure level.