Insurance for commercial carriage business

Hi All…I’m asking for a friend who is interested in starting a commercial carriage business. She’s run into difficulty finding insurance. What she has found is very expensive. Does anyone have recommendations or advice? Thank you!

Working on this myself, here are the 2 quotes I am filling out the application

arkaarkagency.com

https://www.eqgroup.com

I two people in Ca gave me these references I have not followed up yet

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