I am still “out of business”, i have changed my website to reflect that.  Imagine the power of an insurance company. Pay this or else, I am not a risk taker when it comes to my life long earning or my home.  I am in a forced retirement.  I talk to brokers who go and talk to underwriters. Then the broker comes back with a price. I have tried to correct errors on my application and negotiate based on those facts and changes. I matter so little to the insurance company that I am now out of business for a week.  Let’s pretend I had a full schedule of teaching for $50.00 an hour for 30 hours a week.  Gee I could have lost 1500 dollars or more.  One would think with 2o+ years of experience of what i do, without ever a claim, and the fact I am doing less……. one would think I am a great risk to take.   Power of the insurance company of the little small business owner.  Please forward to all you friends. I am afraid to say what company for fear they will never respond.  That ain’t right.