They want your money but don't want any risk with it. I went to see my insurance the other day, I haven't had insurance on it yet but because I was trailering it, I thought I would add some. When I told them I intended to use it as a work vehicle, with my company name painted on the side, they said they couldn't insure it. It would depreciate 30% per year and be written off before long.
I am quite happy with the insurance on the Chevelle and the Beaumont, good coverage, few limitations.