When you are running even just a maintenance Biz. A million dollar policy is the min. you can get by with. I say that because no Biz will hire you if you have less. Mine cost me $600.00 for 2 mil and $5,000.00 tools through American Family. And my truck commercial insurance runs $800.00 a year through Allstate. (Truck is older).
Mine is based a lot on the smaller size of my Biz. No employees but me.