O/O's with own Authority, should I get hazmat?

No to include if a tote or drum start leaking and Billy Bob get behind you in his pinto call DOT
And a week later Billy Bob driving a brand new BMW and well you insurance just went sky hi or they just drop you
I sat in Greenwich Ct all day with 2 lanes shutdown about 5 fire trucks 12 state and local cops 2 hazmat teams a couple news choppers the put Greenwich on shutdown because it started raining and the stuff started flowing into the storm drains. They wouldn't let me sit in the truck and I had to sit in a fire truck and them things dont have heat it was cold as heck all to find out it wasn't hazmat just fabric softner. Good thing it was a company truck man I would hate to seen that bill

 

$5,000,000. Insurance how much going to cost per month?