SOT: Need liability insurance for a lease garage with "challenges", sweet workshop for my 914 activities! Options

[914rrr]

I was just about to sign a lease on a sweet 960 sf garage / workshop with a similar size barn roofed top floor, 200 amp electric and a full bath for stupid cheap.

The problem is, the garage is at the back of a lot shared with the main house in front with another business. The property is zoned C-2. The lease required $100k liability insurance.

The insurance broker I asked for a quote tried several different ways to write it and later said he couldn't write it unless the lot was separated by a property line.

Is this insurance broker overthinking this or is this problematic? Any / all ideas, suggestions, etc., on how to obtain liability insurance for this garage would be greatly appreciated!

[fiacra]

When we were renters our renter's insurance included liability coverage. Since it is a rented property, and you are not using it for a business, this might be the solution? I did a quick search and most renter's insurance includes $100K liability coverage. Our umbrella insurance does also cover liability, but only in excess of the liability covered by our homeowner's and automobile insurance. In other words it will not provide primarily liability coverage.

NB: I'm NOT an expert in insurance and what it covers. Just speaking from personal experience.