liability Insurance ? for Michigan lco's

[tman33]

Looking for some input as to how much a reasonable policy would/should cost,without being too nosey..... Do those of you who do lawns only (no snow) get the policies pro-rata? Are certain agencies more lco friendly than others? How many of your res clients ask if you have any L.I. .... do many of your com clients require it? Is it like auto Ins?
Is it like auto Ins.....5 th highest in the nation, and everyone pays for the maladies of wayne county? (sorry,bad Mi joke)
thanx for any input.