Julie - SInce you are just beginning you may be able to take advantage of Fox Point Programs E & O coverage.  You must generate less than $200,000 in revenue for the year, and had no claims within the past 3 years.  $1,000,000 with $5,000 ded is $1500.00.  You can save the additional premium you'd spend elsewhere for the higher deductible.  Check it out at www.foxpointprg.com.