Chris, I have two tractors that both have liability insurance through my home owners policy. Both tractors are listed separately and the older, higher horsepower one costs a little more than the new lower horsepower one. The cost of both is minimal. I had my Bren Gun Carrier listed on my automobile insurance for liability only. They stressed the fact that asphalt damage was not covered. Insurance was a requirement for participating in Armed Forces Day at CFB Borden and the Trenton Air Show. All the years I did that I was never asked for proof but you can bet your bippy that if there ever was an accident the base would have washed their hands of me pretty fast.
Cheers,
Barry
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