insurance rating groups employ people known as actuaries. They look at historical records of losses, and determine a rate. Loss control staff may visit the enterprise, examine controls and exposures, and assess the likelihood, severity and frequency of future losses to that particular operation. An underwriter uses that information to adjust the rate up or down, or whether they want to insure it at all.

Depends on where you are, and what you are renting and for how long. “Heavy equipment” covers a VAST range of things, starting at a rubber tired backhoe/ loader or a Bobcat skid steer, and going up to a Caterpillar D-11N.

Your question is like “how much does it cost to eat in a restaurant?”

A flamethrower.

Yeah- nothing says “Get off my lawn~” quite like a flamethrower.

In most states, they are quite legal, and are NOT regulated under Federal law. Now, USING one is another matter. BTW- got any marshmallows?

Rolling papers. Little glass pipes with a paper rose in them. Solvent traps. Radar detectors (in most states) Fake passports (non-existing countries) flamethrowers

Cheerios cereal. There is no store brand- NONE- that matches the flavor of the original. Corn Flakes are corn flakes, crisp rice is crisp rice- but Cheerios are Cheerios- and nothing else is.