Yeah it hurts to pay but it's worth it when you need it. After a big work comp claim and now the bucket truck I'm really glad I have it.If you can get two or three class A's in a couple few weeks, that would be impressive to say the least! I hope you can do it, will be interesting to see.
I'm pretty sure all of my trucks are insured for specific amounts. I just went through that with my ins. co. last year. My bucket was somehow under-insured at $150k. We upped it to $200k. Would've really sucked if something like happened to you went down! I mentioned something to the driver the other week about why he was going so slow back there, he said he didn't like driving other peoples equipment too fast. I thought about the images of your truck on its side and said "okay, that's cool, I just wanted to make sure it was running alright". lol
Edit: I think even my 02 international is insured for 40k. Which is fair in my mind. Even though it's old and needs restoring, it works perfect and would be hard to replace with someone else's junker.
I think when I re-up my commercial auto I'll ask for "replacement value" instead of "actual cost value." It's crazy how much the cost of equipment has gone up in the last 18-24 months. That said, I think we're due for a correction at some point in the next couple years. When many of the ill-experienced covid era start up tree companies start going under there will be a lot more equipment on the market.