There is such a thing as being Insurane rich and cash poor. Most of my large commercial acct. only require $300,000 to $500,000. I carry a 1,000,000 liability policy. I would try to find a local agent and not get it over the phone or mail.
Not all companies are licensed to issue policies in all states. When I started out, I had a hard time finding anyone who would insure me. Most wanted a minimum of 3 years of business records relating to revenue and claim history.
I ended up going with National Grange Mutual. I have a 1 mil policy, 2 mil aggregate.
they will insure me for less but like you said the would like me to have a large amount.
Everytime im done talking to the insurance company i feel underinsured and like im getting nothing for my money. And i am always reassured that i do not have enough . And the "what if" always comes up like "what if a rock flies out and kills someone?" My problem is i would like to find a company that specializes in lco's and understands what we do.