Leasing onto a carrier and how insurance works

Here is my dilemma: I have 1 year experience in the US (and 4 in UK which insurance companies won't honor). I am just purchasing a truck that will be financed and I want to lease onto a family member's carrier and I will be using their trailer. Their insurance provider does not allow me to be placed under their insurance policy because their insurance requires a minimum of 2 year experience. This means I have to get my own insurance (including cargo) and then lease onto the carrier.

I am confused on a couple of things and would greatly appreciate it if you guys could help me out:
1. I don't know what types of insurances I will need to get. I think I will need Physical damage (truck), cargo (since I can't be put under the carrier's policy), general liability, and auto liability. Is this correct and am I missing anything? Do I need non-owned trailer liability/physical damage since I will be hauling the carrier's trailer? What about bobtail?
2. If I have my own cargo, and I am getting loads through the carrier I am leased to: if (god forbid) there was a claim by the broker, they will go after the carrier's cargo. Is it possible the carrier can defer to my cargo in that event?
3. If I lease onto a carrier, what does that exactly entail? Besides operating under their MC and having the carrier responsibly for DOT safety, what else does it mean to lease onto a carrier? I know typically the carrier will also put the lessee under their insurance policy, but that is not the case with me. Just want to know how my case differs from common lessees who lease onto carriers.