Superfun, may I ask which company/broker you went with?
If absolutely necessary I guess I will have to take a contents policy as well, but I was able to obtain one quote so far for just the liability on its own (in the event that I am sued by a parent, say if a child hurts his/herself while in my care. Coverage was upto 1 mil) I just wanted to try some other places before I decide who to go with.