Communities can vary, even within the same state. Some don't require anything while others require that you have a certain amount of general liability coverage.
I would call your local county government, they will tell you exactly what you need.
Then I would compare rates at http://www.jdoqocy.com/click-2977717-10494355 they have a free quoting service for all types of insurance including business.
By going through this free service you will find out which company offers the best rate.
GOOD LUck! 