We ended up going with a policy from lloyds, it got really crazy as we live out in a pretty rural area and are on an up paved road with no hydrants (everyone here is on a well) so none of the “normal carriers would write a policy that was reasonable. The agent who handles my liability worked on the policy with lloyds, it ended up being more expensive than a standard homeowners type policy but it allows me to work at my home shop (which is a huge plus for me) and covers both the business aspects and the home aspects of the property.