You are lucky your premium is not changing.
Insurance costs have absolutely skyrocketed the last two years. They were already high and rising for like a decade plus, but COVID sent them really soaring.
It's becoming unsustainable, and salaries will need to be cut or benefits dropped for some small businesses. It's not even a profit thing in some cases, just a staying afloat thing.
40% increase since last year for us. That's nuts.
Something has to change with this.