2 authorities under same name?

I have a small trucking company with 4 trucks so far. 3 of them are semi-trucks pulling flatbed trailers all over the country. The 4th unit is a pickup truck that I use for hauling the cars (it pulls 4 car unit trailer).

Since those two kind of trucking business are totally different and have different insurance requirements (liability should be way lower for pickup truck but cargo needs to be higher) I need an advice how to separate those businesses. For now, I'm ending up paying higher liability for pickup truck and higher cargo insurance for all the trucks because of the pickup truck.

I was told that one person cannot operate under two different MC/USDOT numbers. Any thoughts how to separate those two kinds of businesses in the eyes of insurance carriers?

 

I have Northland and they're not flexible at all. Any suggestions?

 

I'm trying. Getting odd responses like: AIG doesn't accept drivers from CA!?