Also, you would be paying a premium for new construction. 

The result is innocent party's insurance company adjuster's just signing off on 180k payouts because John Doe forgot to pick up his paxil script and was too lazy to go to CVS and pick up a new bottle of tylenol, resulting in everyone's policy premiums going up.Lastly and repetitiously, no litigation was brought against the landlord.

I’m a small one person shop without any need for all the advanced collaborative inter-office tools or multi-seat licenses offered in the premium price plans. 

They are paying a premium for it because of the location.

@Ed JesionkaHi Ed. It’s

3)  If you get through the first 2 and want to keep moving forward, you then take these amounts to your agent and ask them to put together policies that give you these desired outcomes.4)  Finally, compare the new quotes to your existing policies and determine if the premium savings is worth the additional risk.In regards to your Liability coverage, an Umbrella policy gives you a higher Liability limit if you feel your General Liability (GL) policy is not high enough. 

Are there any high risk insurers that might charge a higher premium but provide some sort of insurance?

The higher the deductible the lower your overall premium but get quotes on all the deductibles you are interested in.

I understand the rationale behind aiming on the lower $ coverage side since the exposure is spread out a bit more, but I would like to take the pulse of the industry:  are you more inclined to insure for less coverage with a lower deductible or insure for more coverage with a higher deductible, assuming premium is equal? 

I just locked up a 6 month lease at premium rates through the end of February next year.