Alek...insurance is crazy. We run a small business 5 total employees myself, hubby and 3 crew guys. They keep increasing our rates in the double digits each year..but so far we've been able to keep paying the insurance..but it sure cuts into our profit margin. Then what sucks is if someone actually has to use the insurance...then no other company will take you on. The way things are today is just not right, don't know if they will ever get it fixed...