Shop around, you can still do better. You don't need 2,000,000 GL, 1m is all that 99.9% of events will ask for. You can get that for $300 yr, so you are now paying $1000 for physical damage and
You still need commercial liability for your tow rig.
Shop, shop, shop. Try here
for GL, I was going to switch to them, had my broker check them out, basically same coverage I had minus a bit of fluff. My broker was magically able to match their price.