I let my insurance drop.

Checks weren't coming in on time, Insurance was due, I called the insurance agent, they called the insurance company. Insurance company said if I don't pay X amount by the next day they will drop me......

I told them I can't pay, so they dropped me.

Got the checks 1 week later, called my agent to get me insurance again....she called back 2 hours later and got me the same coverage with another company for over 40% savings from the last company?!?!?!?!?!

one of the main reasons was that we took my insurance off for my office. if there ever is/was a problem, homeowners insurance can cover it.

Well, that's lucky. Last year we couldn't pay until the due date on WC, took the check to our insurance agent directly rather than mailing it. They dropped us and all the other companies wanted a huge amount up front. That was pretty bad. I argued w/ them til I was blue in the face, "how can your salesman have my money and that not be good enough for you???????" I don't turn down $10k too often but they sure didn't seem to mind.