We had a rated policy last year, which means they charge you based off your payroll, which is how most should be i'd assume. Of course they send us a re-newal for only peanuts $300 or so, we pay it, then get a bill that says due 2 weeks ago, for basically 18% of what we have listed as our gross annual payroll, which is thousands, not $2,000 either. We havn't even had the audit yet from last season, so likely they'll go over the payroll amounts this next month and bill us for 18% from last season too. Isn't it a little odd that you're paying at the end of one policy and up front on the next? I could buy a very new used truck for the amount they're looking for for both years policies due next month.