Watch out for low initial premium quotes. They wi...

Watch out for low initial premium quotes. They will lure you in and then whack you with additional premiums. I'm not happy with Berkley Net Workers Comp billing process. I have a small business with 5 employees and a few sub-contractors. We have never had a claim.
The first year Berkley gave us a reasonable premium at first ($2,804) and then more than doubled our original fee based on our growing business. Another $2,863 for a total of $5,667 for the first year.
Okay, fair enough, we had a good year so I paid it but then the next year's renewal premium came in at $6,530 which seemed high but again, we were growing so I paid it. They had our current payroll data so they certainly should know how to calculate their fees.. I paid the $6530 in full and then got an additional bill for $3,018 at the end of the policy for a total of $9,541 for my second year with them. Remember- no claims.
3rd year premium came in at $6,236! That's lower than the previous year's total of $9,548! (I figured they were giving me a discount for having no claims but it was just the same old misleading practice of quoting low and billing high.
I called and was told they were using payroll date from 23 months ago!
Not cool. At some point you gotta know this is a misleading practice; to entice a customer with a low renewal amount and then hit them hard at the end of the policy year for multiple thousands.
They had the updated payroll figures but did not UPDATE them (on purpose it seems) in order to give a lower renewal premium.
Insummary:
1st year quote was $2804 that turned into $5667
2nd year quote was $6530 that turned into $9548
3rd year quote was $6236 and I can hardly wait for the $5,000 bill they will be sending me now. The auditor was comparing my current payroll to Berkley's numbers from 23 months ago. They refused to update our basis despite having updated figures!