I have a question. I had a 1,000,000 liability policy but it didnt cover the theft of my trailers, only my equipment. They said for me to cover the theft of my trailers, they had to be under a commercial policy on my car insurance. Is this true? Do most of you have a commercial insurance policy on your vehicle as well as your equipment? What are you paying? they wanted 350.00 a month...seems crazy high to me.