Being that you are an insurance salesman you will want the BEST insurance you can buy in a towing device. :)
As has been shared by others you are confusing what you have in mind. Do you want to tow 4 down or use a dolly? The two are totally different systems.
If a dolly you need one with brakes and the proper tow hitch and a lighting system.
If a 4 down tow you will need the proper hitch, tow bar, lighting system, and braking system.
If you want the easiest one to use then go with the 4 down tow and have the towed vehicle wired for the light system. I use the Blue Ox tow bar and Brake Buddy and they are a snap to use and only takes one person 5-10 minutes to hook up or unhook. There is no need to find a place to store the dolly with this system nor two people to hook up. The quality of insurance...er...towing equipment if often reflected in the price you pay. Also you probably will need to be sure the towed vehicle had adequate liability insurance as I understand the MH insurance does not cover the towed vehicle should there ever be an unexpected separation of the two.