Real Estate Agent Car Insurance Requirement

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Hi BP!

I have recently gotten my real estate license in DC and I am about to sign an independent contractor agreement with a commercial broker. One of the covenants on the agreement states that, for car insurance, I must have: $100,000 of liability for each person, $300,000 for each accident, $50,000 of property damage limits, and add the company "as an additional insured." 

Is there any way around this here in DC? It would cost me more than my car is worth with this kind of coverage because of my age and an incident on my driving record a few years ago. Any advice?

(Also, can a DC agent work for 2 brokers? ex. 1 residential and 1 commercial?) Thanks in advance and sorry for so many questions in one post.