[Toivo]

the way insurance companies work is they take your premiums (after the broker's cut) and invest it.

you may have noticed the stock market charts slanting down and to the right lately. Depending on how good an investment job your insurance underwrited was doing, your insurance premiums will need to rise to cover any loses they may have suffered in the market. It's basically a zero-sum game. As long as they're making money in the market, the annual increase in premiums can be held down. Once the loses start mounting though, the only place to regain the assets needed to cover projected and actual claims is by raising premiums (or cutting costs, which some of them have done as well).

I'd personally be worried about this insurance company covering your assets. They do fail and go bankrupt.