I'll echo what jaydee wrote re different rate classifications depending on what kind of work you do. When you present your business to an insurance agent or broker, give as much detailed info as possible. If you say you do construction work and estimate roughly a wide margin of say $100,000 to $250,000 revenue per year, they will take the worse-case scenario and rate you for $250,000 (high-end); or if you say you do roofing but don't say how much or how little, they will assume its a lot. But if you tell them that you only do 5% roofing, shingle only; and that 80% of your work is sub-contracted and all your subs carry their own liability insuarnce and you ask for insurance certificates; well you get the idea.
Part of high rates for new businesses is that you have no track record. So again, assuming worse-case scenario, they assume you don't know how to run a safe business and will likely have a claim. Even if you just started up your business in 2014, if either you as owner or any of your supervisors or foremen have numerous years experience, that will help. Even if you are new at it, if you can tell them that your site foreman has 25 years experience and never had a claim at his previous place of employment, that helps.
P.S. Goes without saying that whatever you tell them, i.e. estimated revenues, years experience, etc. it better be relatively true. You can stretch the truth a little bit, but if you ever have a claim or get audited, and the insurers find out you mis-represented yourself to get a cheaper rate, you'll be black-balled and will find it near impossible to get reasonable insurance going forward.