Standard limits for small businesses in the DC metro:

• $1,000,000 per occurrence / $2,000,000 aggregate — the most common configuration. Pays up to $1M for any single claim and up to $2M total in a policy year.
• $2M / $4M — for higher-exposure businesses (construction, hospitality, real estate, anyone with significant foot traffic or premises exposure).
• Commercial umbrella — an additional $1M–$10M layer above your GL and commercial auto limits. Often inexpensive (a few hundred to low thousands per year) and the single best dollar-for-dollar protection upgrade most businesses can buy.

Many contracts and leases now require $1M/$2M GL plus $1M+ umbrella as a standard floor. We model your exposure (revenue, headcount, premises, contracts in force) and quote limits that fit.