"These new toyhaulers have far surpassed 350/3500 pickups."
Na, the dealers will tell the purchaser "it only weighs 15,000 and that new F350 is rated to tow 21,000 so you have plenty of capacity, no problems!"
The wife will tell her husband "honey that trailer looks so big behind our little pickup"
at which hubby who has just spent $56,000 at the Ford dealer for his dream leather seated turbodeisel one ton, and a $35,000 toy-hauler says "no problem's the truck is rated for....."
Then hubby, wife and the little dog come though ND in the spring on their way to AK for the summer, March-May good time for wind energy, bad time for vacation..
"honey slow down, I feel like were going to get blown off the interstate!"
"no problem's the truck is rated for....." as he grips the wheel even tighter
Go HDT, gear it right for your business model, and the insurance you mentioned might even go down since their liability to insurer an under-loaded HDT is so much less risk.
There are some really nice HDTs rigged up and ready to go on the Escapees Forum
HDT - Escapees Discussion Forum
blizzND