[AC2717]

correct way to look at it is this insurance wise:
while the trailer is attached to the vehicle the vehicles liability covers the trailer again while it is attached. The minute or second it is detached from the vehicle the vehicle liability stops covering the trailer. You can purchase separate physical damage coverage for the trailer for if it gets lost or stolen. Physical Damage (if you have it on your vehicles) DOES NOT cover physical damage on the trailer

My suggestion to you and my customers is add the trailer to your auto policy. It is peanuts for liability and when that trailer detaches from the car on a roadway and something happens as a result, you will be glad you got the liability on it. again the way most polices interpret it is that the second it becomes detached it is on its own. Doesn't matter that the car set it in motion. Liability and Physical damage on a trailer is minimal to say the least, and most boat or PWC policies basically will through in trailer liability and physical damage, or you can always schedule it on your auto policy