Liability headaches with landscape retaining walls - just paid $2500 in premiums for my John Deere gear

Man, switching to a new liability policy this year to cover my retaining wall installs cost me $2500 extra just for the John Deere skid steer and all the hardscaping gear. Clients are always trying to pin erosion issues on me after a heavy rain, even if I follow all the specs. Anyone else dealing with insane premiums eating into your margins on these jobs? FML.