Long story short commercial coverage for my Lawn & Garden biz which includes snow removal which I don't as yet do. Will run me $1092 for 1 mil per occurrence max of 2 claims per year for 2 mill. Lower coverage really isn't that much less. 300k/600k would only drop it to $868.00 Coverage for my 2 Toyota is $1690 per year for 1 million. Lowered coverage down to $300k only drop it down to $1,506. In order to save money I'm thinking about only having commercial insurance on the 4runner and basically not planning on using the truck except on occasion. So I'm basically looking at business coverage for vehicles, trailers & equipment that is essentially costing me $1600 a year just to do business over my preexisting insurance. So how many here admit to having commercial coverage on one work vehicle then having non-commercial coverage on their back up vehicle which isn't worth that much. The truck I'm pondering not insuring commercially is barely worth $2800 if that and it currently is not covered for collision - only comp and liability anyway. So lets say my 4runner is in the shop and something happens with the private insured truck pulling the commercial trailer and equipment which is covered on the commercial policy . . . what kind of tangled mess would one have on their hands? And yes . . . if I was to get rid of both older Toyotas and purchased an newer rig the rates would be substantially higher for just one newer vehicle. The other option I'm considering is dropping commercial coverage completely in early November after the last clean up ends and restarting it again in April. If I end up plowing or doing any snow removal then I'd keep it for 12 months. My agent also deals with a variety of Ins Companies and the others that don't cover plowing are more than what I just stated here. Any input?