And towing anything is also forbidden. Yes there are commercial rentals but they are priced substantially more than the trucks at Home Depot or other consumer rental places.

When I was renting more often, I found Enterprise had pick-up trucks and you can tell them you will be towing during the RSVP (I think it may be a small extra fee, but mostly they want to make sure they get you a truck with a towing hitch). I still use this option if I need more than my half ton can handle (thankfully not very often). I wouldn't use the bed for anything as they are always nice new trucks and any wear would be extremely obvious and I'm not sure if they will charge me. I will rent a trailer from Uhaul instead, another layer to the inconvenience.