Originally Posted by Grapesoda

called the 'moral hazard'... example my business ins was about $1200 a year, my was dropped when I admitted I had an adult business.. I did this because I was told the policy would be dropped if I had a claim and the ins company found out I was in adult... the ins company would simply return my latest premium and say 'gee too bad... we don't handle adult'... I am now with an 'adult friend' ins company... the premium is now well over 6K a year