Question Owner operator uses his own pickup ( 68k ) and a gooseneck...

Question Owner operator uses his own pickup ( 68k ) and a gooseneck trailer (18k) . No LLC & uses the companies DOT & MC #. They only cover the liability and freight aspect. Who are you writing this with? I tried progressive but they won’t let me put a 2026 ram 2500 on business use. He’s gotten a quote with OOIDA. Thanks! ( TN btw )