Yeah...Roger that TM3--- You definitely need to have them spell out exactly what is and is not covered. Most of the brokers I spoke with were real quick to say..."we are fully insured". Turns out they mean exactly what they said... "THEY" are fully covered. You & your rig are NOT, unless you have your own policy that includes things like this.
So whatever else you might do...if you are considering any hauler or mover...have them send a copy of their insurance coverage, limits, actual policy and contract to your insurance agent to look over before you bite. Cause the majority of haulers do not provide any coverage whatsoever for the "load"...only their own vehicle and minimum liability.