Diane: Over the last few years I have been given the same line about premiums going up with the increase in business-however, on the east coast- with all the trouble in the housing market and the down turn in re-finances, some of us have taken pretty big cuts in our annual income- I tell you this because I have brought this to my E&O agents attention after receiving comparable or higher renewal quotes each of the last 4 years, and after recognizing this basic error in their logic- they did give in about $300 per year- but no where near the increases they had charged me for over that time period- so it does work if you "squeak" a little-but don't expect a big helping hand -just some info I have acquired over the years.
Steve Meinecke
IA/Titlefax
Franklin, TN