i know this is an old thread but for anyone out there searching though the history books like myself, i have full coverage through Westfield Ins Co. actually we have the house, property, buildings, personal vehicles, then my entire tree trimming business, sawmill. business equipment through them. with the business i have a million $ umbrella which includes my portable mill. they never asked any questions other how much is it worth. for the tree trimming part, they asked if i had any experience, everything was verbal, no documentation. i am in south west ohio. cutting down 48" dia tree's that are next to a persons house holds way more liability than my sawmill, and they cover both