Farmers Ins came up with the coverage quote listed below. I asked them for 1 mil General liability for my upstart business here in Mn. Seems crazy in price to me especially being a 6 month season up here. Anyone have any direction for me as I see quotes on here from $300 - $700 for the liability coverage. My truck (non commercial) with them full coverage is currently $860 annually so I see a $1,300+ rate increase to commercial status and 1 mil liability. That seem in the park to you experienced LCO's out there ? Again I'm only looking @ a 6 month season commercially. "This is coverage for Liability at 1 Mil, your Truck (99 K1500) covered fully with a $500 deductible and $12,000 Equipment coverage- the annual premium would be $2189.- A couple of things: We need to cover your veh as a commercial vehicle, since you are using it as such. I need to know the year make and model of the trailer along with it's value as that would be covered like a vehicle instead of equipment."