On my last renewal, which was the end of April, the renewal application indicated that the amount of my premium would be influenced by my income during the last year. I sent my application in with a note indicating that the income factor would surely have an affect this year since business has been down for a good part of the year. When my renewal came through for my approval the premium had gone up just like it has the last 4-5 years. I sent it in just assuming that there was not other way to do this, with  a similar note remarking that the income actually had nothing to do with the fees since they went up while income went down- and then to my surprise I received a quick response by e-mail knocking off $300 the original quote-so it does some good to take them to their word of how they come up with those numbers.

Steve Meinecke