I just started out as well and going with pretty much the same set up. My GL is $2,024 a year for $1,000,000/$2,000,000. That also includes pestitside applications. My policy was based on what my projected annually income would be. The insurance for the chip truck, a 98 international is $1,400 a year and the insurance on the chipper, saws and tools is $440 a year.
The workers comp is what kills you. In PA I can exempt myself from the workers comp by my pt. groundman is required to have it at 27.00 on the 100 dollars paid. My secretary is only .43 on the 100 and my salesman is at .83 on the 100.
Hope this helps. It's a little out of pocket now but is worth it in the end and you'll feel better.