Oh, I understand why they base E&O on the amount of money running thru the company.  I was complaining, but only a little about that.  It actually makes sense. 

I'd like to add here that someone who was always extremely helpful at Title Program Adminsitrators is now working for (or perhaps is the owner of?) a new company - American Insurance Professionals (in Phoenix).  These folks are the ones who actually carry my insurance this year and have been very helpful with the same questions about upgrading my current insurance that I've posted here.  They do check with multiple underwriting sources to get the best rates.  Their website address is      www.aminspro.com