Found my quote for a KW 2001 T-300, physical damage($1653.60 per yr.)includes 5% haz-mat loads,Unladen liability $1056.96 per yr. BOTH for $232.70 per mo. $1000.00 deductable
Occupational accident (w/c) $118 per mo. for $500,000 coverage and $141.00 for $2,000,000 coverage.
You will need all three and as stated earlier almost all companies you lease to will provide the cargo ins.If you run under your own auth. You will need to provide it, and it is EXPENSIVE for 1,000,000 worth of coverage. Sounds like you'll be leasing to a co. any way so... hope this helps and by the way the family medical(ppo) ins. was $504.15 per mo. with a $500 deductable. Some cheaper with higher deductables.
Keep it between the lines and take care of each other.