I run my own business. I know the terms and conditions of E&O. It doesn't work like Car insurance where premiums go up from multiple car claims. With E&O's you're buying an amount of insurance such as a $2 million policy per calendar year (which is for small business) which covers claims. Please do yourself a favor and understand business insurance rather than spouting out misinformation.Those insurance premiums go up. Then Apple winks at consumers. We pay up.