I evaluated my general liability and equipment coverage this week by comparing it with my currently underwriter vs Erie Insurance. Thanks to some of you guys who have spoken highly of Erie, I received a quote from them and have now opened a new policy with Erie resulting in a huge savings. One interesting point that I discovered is that under the former underwriter my premium was based on my payroll. If I underestimated my payroll receipts for the year, I would have to pay additional charges. If I overestimated, I would get a refund. Sounds like some other system If you are Reading my Sentence correctly. With Erie, the premium is based on the number of employees thus not penalizing me for wotking hard. Erie not only showed me a savings in the front end but saved me from paying more at the end. Check out Erie Insurance!