Eric - I use to live in NY. NY is much more $$$ although Va is no slouch.
In 1993 my friend just turned 25 and got a new camry. New license & new car. Only Geico would insure him. Cost: $6000 a year. First year.
I just got off the phone with my agent and turns out that the other person who wrote up the policy didn't really know all there was to know about it.
Insurance companies do not insure your work.
Liability: $1 million, and $5000 if anthing "happens" inside the car. Example: I drop the camera that is sitting on the back seat.
I hope this helps.
Basically, I don't need this insurance. O well. At least I was explained what I had.
Hope this helps.