I could carry the NY minimum of 500k GL, but for less than $20 a year more I got a business owners policy that provides $2 million GL, $5k in medical, $20k in equipment coverage, and $20k in lost earnings coverage. It's under $500 a year. The policy is apparently popular with small farms, a couple years ago I got an amendment to the equipment coverage the specifically excluded livestock. $1 million Auto coverage is going to be impossible unless the vehicle is owned by the business.