Two or three issues, as far as your own cargo its easy, cut and dried with KFB. I'd go for maximum limits, 300/500, with an additional, at least, 1M umbrella liability rider. I carry more than that. I'm not sure if they look at occassional hauling of cattle as commercial or not. If they call it commerical they can write you an inland marine rider to cover the commercial aspects. Thats what I had to get for dozer, skid loader, and dump truck work. Its funny how they break it up and I dont remember all the ins and outs. Custom work has all kinds of ins and outs. Also, your insurance on your truck and trailer will cover your truck and trailer, and your liability to others. It doesnt cover the value of the contents (cattle) unless you add it specifically.
The other issue is if you cross state lines you will need a DOT medical card at least, and probably in state too if your trailer and trailer cargo weight is over 10,000 pounds. That reminds me, mine expired back in November.
Regardless, its not worth saving a few bucks being under insured, or not insured for the right risks. I've been on both sides of the aisle in civil litigation and its not fun in either chair. The only comfort I ever found in defending a civil suit was knowing that the insurance company had hired the best legal team money could buy.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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