New to HVAC business, what's a good price for Trane unit insurance?

My wife and I just started our HVAC company a few months back, and we're about to pull the trigger on our first big install with a Trane XR16 system. We're looking at $2,500 a year for comprehensive insurance coverage, but is that reasonable for small ops like ours or are we getting hosed? Anyone got tips on retirement savings tied to business insurance deductions?