Thanks for the info and "pm".
Yep, I should have known about the California licensing. It's a tough place for insurance companies to do business.
I have been asking other folks here with snow-cats and it seems there is a great need for coverage of this sort. Most have them covered on their farm policy thinking t5hat is enough. But that does not cover liability nor use anywhere but on the farm, itself. So, in effect, they do not have coverage when they take it to the snow. In this "sue happy" world we live in, I'm not sure I want to take the risk of no liability coverage.
Anyone else in California that has a answer, please let me know!