I won't even loan out tools to friends because of liability issues. Many have asked to borrow tractor, or one of my large box trucks, but my standard answer is sorry my insurance company won't allow it or they will cancel me. I agree once the shysters get involved - watch out they will come for your retirement fund and your kids college money. The second someone gets hurt with yoru equipment you no longer have a friend or relative as they will sue you to the moon and back if they can get a huge payday!. I'd rather lose a friend by saying NO, than have them get hurt and sue me becuse I will lose that friend anyway.
Listening to these comments I'm realizing that chances are people towing anything except for professional trucker ( and even some of them are hopped up on stay awake pills) are probably over weight and need to be given a WIDE BERTH on the road.
Here is California we have a highway that goes straight to Mexcio, the 86 freeway.
On a regular basis there are old 70's and 80's one ton tucks loaded so high with used lumberfrom trearing down old homes that they barely make it under the bridges. They are easily stacked above the legal limit even by the way the rear end sags on the vehicle. Why the highway patrol doesn't stop these guys on a daily basis is beyond me.
As it is I avoid ever being behind a rock hauler, lowboy trailer full or empty, cement truck, etc. all because I've see way too many falling rocks come at me and my windshield.