Regulations vary from state to state as also from one municipality to another. This applies to the type of business you intend to carry on, as well as the type of pickup truck you have in mind. But unless your business proposal synchronizes with those permitted by the authorities in your area of operation, you would be riddled with so many fines and penalties that sooner or later you would be forced to abandon your scheme. Similar would be case with the insurance coverage.
It is also essential that you install the right type of Truck Rack Accessories such as ladder racks that extend from the truck bed right up to the cab body. Constructed mostly of heavy duty Steel tubing or aluminum, thus becoming more sturdy sans adding more weight to the cargo, these ladder racks are also adjustable to different makes and models of pickup trucks. However, since these are routinely rated for the type of weight they are supposed to carry, you can choose the right type that would suit your purpose.