Insurance debate - Hagerty vs. ??

[jtj143]

Hello folks,

I've had the old truck insured for replacement value through Hagerty for a couple of years. The premiums are extremely affordable, and the restrictions are tolerable...or so I thought.

We have a Christmas Tree Farm (do you see where this is going?) and on our tree farms' facebook page, I posted a promotional photo of the truck in a 'work' pose. Our local insurance agent, who is a facebook friend, sent a pm explaining that the truck can not be insured by Hagerty if it's used for a business. Fair enough - so I responded that it was simply a publicity shot and that was the end of it....
...Until a Hagerty representative called today. She calmly and politely stated that vehicles that they insure will not be covered if they so much as carry a bag of trash to the dumpster. She went on to say that NOTHING is permitted to be in the bed of the truck. She said that for this reason, they must watch pickup owners carefully.

So, besides the fact that the insurance agent a douchebag, what do you think about this??
AND more importantly, what are good insurance alternatives?? I'm sure that there is already a thread or an advertiser that addresses this, could someone direct me to the information?

This is a bit long...Thanks For Reading!

https://www.facebook.com/LazySpread