Will my vehicle insurance cover me if I damage something with a trailer I'm pulling?

business ins is needed for business endeavors

Not if you pull things for a living.. if you are pulling a boat you are covered,

1. This gets very tricky, you need to listen to your insurance agent.
2. Towing isn't as cut and dry as you think. Is your trailer owned, leased, rented or borrowed? Is that trailer listed on your auto policy?
3. Is the auto carrier aware of your actual operations? This is very different from your typical moving company. If you bought your insurance from a website, you don't have the correct coverage.
4. Does your auto carrier have a requirement that you carry Commercial General Liability?
5. Contact some local independent insurance agents and get some quotes.

You are not right.

Regular insurance does not cover using your vehicle in business. It only covers personal use and commuting. For a business in which you use your vehicle, you need a different type of insurance, which costs more.

Your impression was wrong

Is your vehicle insurance policy a BUSINESS policy? Commercial Auto coverage? Do you have the proper filings and USDOT number to be hauling for others for a fee?

You will need commercial auto coverage. The liabiltiy coverage for the trailer is cheap, and you're foolish if you don't spring for it - it will cover you if your trailer isn't "hooked up". If your trailer weights more than 2000 gvw when loaded - most likely under the circumstances you describe, you DO need to add it to the policy schedule in most cases, for the liability of the trailer to be covered.

Yes, you need cargo coverage to cover the damage for the stuff you are hauling.

Auto insurance does NOT cover "loading and unloading", generally. That means, anything that happens while you are onloading or offloading, would not be covered under your auto policy. THAT is what you need the general liability policy for. Also, you'll want to ask . . who's responsible for the cargo while it's being loaded? It's not automatically covered DURING LOADING on a cargo policy. What happens if the crane slips and someone drops the house on someone else? That's a hell of a lot of claim, and your auto won't pick up a red dime of those defense costs.

Most auto policies will cover a trailer, but those are the ones that are small that you may haul personal things in them. It would not cover a mobile home trailer.

All personal auto policies (excludes) coverage "in the course of business" thus, if pulling a trailer or shed and have an accident, then the policy (denies) paying, since in the course of business. Even if your own personal vehicle causes the damage, that once the insurance finds out that you was doing this in the course of business, then they would not pay. The most common case that happens is a person delivering pizza.

So, they have told you that you need liability coverage to protect you. Or, you may need a business/commercial policy to pay while you are working. I suggest if you have an agent to clarify what type of insurance you have and make sure that you have the (correct) insurance, or if not, then could find yourself being sued.

Read your policy carefully. TOWING something AS A BUSINESS probably requires an extra level of coverage even just for liability. The fact that you are doing this AS A BUSINESS means that you do it MORE OFTEN than the average person who might just haul a trailer sometimes.

If your insurance company is telling you that you don't have coverage, then you don't have coverage. If you feel they are trying to screw you on the coverage, you are always free to price insurance policies and coverage with other insurance companies.

Basically, your personal insurance - not related to a business - would probably cover any accident caused by a trailer that your personal vehicle would be pulling. As a business - you have a higher risk because that is what you do and that higher risk requires another level of coverage.

You are going to get screwed because of your ignorance, not for any other reason. You asked if your vehicle insurance would cover "you" if.... You are confused. Are you asking about "YOUR" coverage or a "VEHICLE'S" coverage? Since you are so confused, buy what the insurance agent tells you you need.

You are incorrect.
If your trailer hits a car with liability insurance only on it, the person does not have insurance that will cover the damage that you caused. If the trailer hits

Even more so... if I have a car with full coverage on it and your trailer hits it, why should I have to use my insurance since you were the one that damaged my car?