Good, Mel!

Daniella,
It's simple. Ins cos are in it for the profit.....bottom line only.
I had a business liability policy with a (nameless) company for
4 years and had a claim because of theft.
It was covered. They paid. I thought they were "the best".

When it came time for annual renewal, they refused to renew
and dropped me. Reason they gave:

Policy premium per year - $550
Length of time covered - 4 yrs x $550= $2200
Paid out - $5,500.
"Sir...It is not financially feasible to renew, .....since we have paid out....
.........more than you have paid in"
(Go find another insurer, sucker!)