Is Calsurance the Best for E&O?

CalSurance Incidental p & c for personal lines only covers upto 25% of gross revenues under $75000 in total revenues but does not cover any commercial lines. I have & write two flood policies per year with $600 in revenues from commercial flood.

CalSurance price
It’s $529/yr for l&h plus fixed annuities/ long term care & disability.,
Extra $400/yr for incidental p&c ( 25% personal lines).

NAPA policies is $1090 with incidental personal & commercial policies + everything CalSurance offers on l&h/lLTC/fixed annuities/disability insurance.

Anything competitive available