Cargo Insurance

Hey guys, quick question, sorry if this has been talked about couldn't really find an exact answer. If its written about somewhere else if you could drop a link and I can go through that instead of taking up your time!
I custom harvest with my semi so It only hauls grain. My cargo insurance is 25k which would cover any grain loads obviously.
I recently bough an XL lowboy to haul the grain cart and tractor. My question is what cargo insurance would I need to haul tractors and equipment. I'm thinking like from a farm yard to a dealer to get worked on stuff like that in my spare time. nothing over the road or anything crazy. I am wondering what amount of cargo insurance you guys run for heavy haul and if you would be wiling to share how much that is. I am trying to figure out if its worth adding that to make a couple trips here and there for some extra income.
I have a 1 million dollar commercial semi insurance, I also have a 3 million dollar general business liability policy for the harvesting business, do any of these count as cargo insurance? would they cover a load that is not owned by me? When I haul my combine I don't increase cargo because I have separate insurance on the combine itself.
Thanks in advance, I'm a rookie and its hard to find simple information sometimes and I trust you guys are here to give it to me straight.

 

Side note, would it be better to just try and rent out the lowboy when not in use? Anyone have any experience on renting one or what would be a good price? its an older trailer XL 60 but I redid the entire rear end, drums, shoes, slacks, s cams, oil, wheel seals, airbags, air chambers, air hoses, abs sensors, tires are in great shape so it is in complete road ready condition. would also try and rent to people I somewhat know or friends of friends. Thanks guys!

 

right, true, I was just wondering if there was an amount everyone uses like a general, I know the average insurance is 1 million for the semi. I have been talking to people and it seems a lot have 1 million cargo. I should have just asked around more with friends of friends and stuff before wasting a post on here but just got a little excited lol thanks

 

right, thank you! was just a little confused and didn't dig in enough before posting here, rookie move! was just curious what other people who haul equipment have because with a lowboy obviously I could haul a $50,000 piece of a equipment or a $500,000 combine or an even more expensive tractor or whatever, I'm assuming some just stick with a cargo of lets say 500k then they stick to loads under that but then could miss out on some loads. 2 of my friends that haul have 1 million that just seemed pretty high but they said they just don't want to have any concerns about insurance not covering something and then they can hook up to anything but they also truck year round so can pay for more cargo where I would be doing it here and there in the off season so don't want to pay for more than I need, I'm leaning more towards trying to rent it out and forget about everything else lol

 

Also I have progressive insurance say what you will idk if thats good or bad! my insurance guy didn't think they go past 250k cargo which is interesting so he's doing some more checking maybe have to go with a separate company that just does cargo or something!

 

Yeah that's the exact position I don't want to be in haha

 

shoot I read that wrong I thought it was the other way around, that is a close one but hopefully they just paid it since he is technically is under! Or they pulled a "this is actually a rare load of one of a kind crab from just outside the island of blank that only can be caught 2 days out of the year so they are valued at 301k so we wont be covering any"