Sorry to waste your time posting UNHELPFUL information, without knowing some specifics about your company it is hard to tell if you are getting a good deal. If when you say 1m you mean ONE MILLION dollars worth of coverage for $850 per year it sounds like a low amount for that much coverage and if you ever made a claim itís up the creek.
As I had stated, insurance companies are tough to find on general liability as there is no money in it for them and high claim amounts and rates. Once again without knowing SPECIFICS, I cannot say good deal or bad.
Insurance companies go by exposure; in your case you would most likely be considered high exposure for commercial property (Target, wal-mart, fast food).
Once again sorry for the useless information!