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Commercial Liability Insurance Policy
Margaret Said:
What going on with this insurance?We Answered:
Probably he is NOT ripping you off.Most likely, there has been a RATING CHANGE on your policy - either through an audit, or an inspection.
That means, they either changed your classification, or they changed the rating basis, based on inspection or audit. It's NOT the agent ripping you off.
He gets paid, via commission. He gets, on average, 15% of the general liability premium. BUT, if he can't tell you off the top of his head, or within 10 minutes or so, WHY the premium has increased, he's either slacking off on the job (not paying attention to your account), or not very good at insurance.