I see you are from Minnesota - I am as well.
I have license for my daycare and go through Adults & Childrens Alliance.
http://www.acainc.org/MN_insurance_program.phtml
I pay $320 for the following:
Liability
$600,000 Occurrence
$1,200,000 Aggregate
There is also a $43 membership that is required - but I think it's well worth it.