New Agent Start Up Cluster or Local GA in NYC

I'm a new agent, my father whom is a CPA, has a book of clients that i can reach out to do the business with.

My question is, should i join a cluster such as smart choice, insurance noodle , superior access , or get contracts with a local GA as a sub producer.

i do want binding authority and direct appointments in the future, any recommendations?

and for E&0, can i just get one e&o that covers my entity and personal license, or do i need two policies? should i bother to get license under an entity?

any advise would be greatly appreciated.
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