Insurance coverage for Single Entity LLC RIA Question

My apologies if this has been covered before - I tried the search but type "business" and "Insurance" in a boolean string and you get pretty much EVERY insurance related post on the board. 

Was wondering what you Single Member LLC - Independent RIA's have for insurance coverage.  My E&O is running about $1100 per year and my Million dollar liability policy is running my another $800 per year. 

I'm trying to cut costs everywhere I can and this ddamn insurance is just bugging me. 

What are others using?  How much coverage liability wise are you doing and what are you paying for it? 

Regards,

Windknot