Can’t win for losing

I understand you have a business and totally different situation but I never had insurance on my car trailer. That is until a good friend can opened his enclosed trailer going into a funneled in road construction area on the way back from Dragway 42 near Akron. What a mess as he had to call a friend and have him empty his trailer, and drive out to Ohio to load up his race car and everything in the trailer. They towed the trailer for the trailer title. Total loss. I had bought a new enclosed trailer in 2017 and when I went to insure it through Erie insurance they made me get a business title for one tow vehicle and car trailer. So now I have two policies.