Mattingly- I remember the days of the $350 premium. Savor them, they wont last. I refer to them as the good old says. As soon as you start to grow, your premiums will jump. Look to be paying $1000 minimum per year soon. <p>Not trying to scare you, but that is what happens, as you do more, you have a greater exposure, and the more exposure, the more your premium will be. Your premiums will increase with payroll, and also amounts that you pay to subcontractors. They will also adjust your premiums by your gross recipts. Just be prepared for it to rise.