Look into the farm laws out west and for you state specifically. Mine is for the three farms here, does work, and is plated as a 26k farm truck plate and I had zero issues with state farm. It is just liability coverage right now though. Have not looking into doing full coverage.
We have a number of antique-ish vehicles that are still worked hard between the other farms and they are insured under a local company and Farmers insurance, again without issue. Being that this is a farm truck for farm use, you have a lot of abilities that anyone else wont and can ignore a lot of laws that wont apply to you. Business insurance is not needed, depending on what farm insurance you have. But again, look into it state specifically and try going with a agriculture/farm centered insurance company. You can get away with a lot thru companies like that.
Many laws on the books don't apply to farmers and more yet are specifically made to restrict laws being placed on farms. Use it to your advantage.
