My post may have come off as harsh, there are alot of guys who do not recognize or appreciate the need for insurnace. Those are usually the same guys who do not understand the need to pay taxes or fallow local business laws/regulations either. I interpreted your original post as you just looking for the abesolute minumum coverage so that you can say that you are covered.
Just talk to multiple agents and have them each get you quotes for multiple carriers. My agent got me the best quote through The Hartford, but what you do for services could differ what carrier is best. Being a new company you may find that some carriers will not cover you. I would say most guys have insurance in the 250k range. My coverage is 1 million because one of my contractors who I work heavily for requires it. You'll find when getting quotes that going from one tear to the next isn't usually to much more for the premium.