I just got a quote from First Financial Network (goes thru progressive) about commercial insurance.. Here's what they said. 1999 Dodge Ram 2500 4x4 6cyl Diesel 1 Driver (me, 20) no accidents/tickets 1mil GL 20/40 personal injury Premium: $5,360 per year. This would cover lawncare in the summer and plowing in the winter.. I didn't think the insurance would be THIS high! Now Im having second thoughts about all this..