Yeah, I believe $500,000 is the minimum required (by the state?) amount for liability.
My agent said it would cost me about $5 more annually for the 1 million liability, so he doesn't even bother writing them up for the minimum amount.
They always offer additional coverage which I decline, as the risks (for me) are low.
Add-ons that cover my equipment/materials if damaged/stolen, and something that provides additional coverage for damage to property that is not covered by the basic plan.
(an example given was if I were to be moving a glass patio table to mow and I broke it, the enhanced coverage would cover that damage)
Just explain to the agent what tasks/services you anticipate doing and they can work out what coverage best fits your needs.
When I started out, I called a bunch of places for quotes. Most just threw a number at me - nothing else - no questions about the exact type of work I was going to do, and no questions about anything really - As soon as I mentioned "lawn care", they just quoted a price.
How good is that insurance going to be if you need it?
When I called Erie, the lady I spoke to went over several option after asking some specific questions about the work I would be doing. She said she had been working with people like myself for 20 years, and would make sure I was getting what I NEEDED, and not anything I don't need.
A few of the others had slightly lower quotes, but I didn't feel confident in them.
I ended up using Erie since they took the time to ask questions, and discuss my needs, and are local enough (this particular agent) for me to stop in the office if I need to.