I use my 763 skid steer about 90% of the time on my own property for general purposes. During the winter I also use it to clear snow for a few neighbors and the occasional for-cash job (also snow removal). I'm thinking that a basic liability policy might be in order especially at a location where I may not be aware of hidden (buried by snow) hazards. Does anyone have any suggestions about which type of policy to buy? I don't need insurance to cover damage to the machine, just someone else's property.