Also a need to take U-Tube video captions with many grains of salt. Their authors commonly use the word "capsize" for any situation where a boat runs aground. Idiots!There is a need for towing insurance in them there waters.
Towing insurance coverage is indeed a good idea. Also have good insurance on the boat, and do read over the smaller print in the policy.
Have your own insurance in place before the boat is loaded onto the truck. Full coverage. Do not go Cheap.