Insurance requirements for hardwood deck contractors?

Expanding my business into a new state and the insurance requirements are different. Currently carrying $1M general liability and $2M aggregate.

For those of you doing primarily exterior hardwood work:

• What coverage levels do your commercial clients require?
• Anyone carry specific professional liability / errors & omissions?
• Has your EHCI certification affected your insurance rates at all?

Trying to make sure I'm properly covered without being over-insured.