After paying over 1200. year premium for an insurance I was only occasionally using, I decided to cancel the policy last year. I had a field audit scheduled with the auditor cancelling the meeting after finding out I had moved to an address outside their particular service area. After discussing this with the auditor was advised the policy would lapse on its own if the audit was not conducted. I was satisfied with handling the situation in that way. I sent in my final payment of 1295. and was happy to see, several months later, when a statement of cancellation showed up in the mail.
Unfortunately, SCIF took my money and did not credit it to my account. Instead, in early March SCIF sent an account due balance of 1020. to Collections. No other invoicing during the the preceeding 9 months. I thought we had settled the closure of this account and silence on their part supported my assumption. I called at that point and it was apparent they did not have record of my last payment. I wrote back with a photocopy of both sides of the cancelled check assuming there would be an apology and an attempt to repair the credit damage they caused.
A week later I get a letter requiring a premium audit and to submit docs for 2014, 2015. No mention of the cancelled check of 1295. It's like they are going into damage-control mode and using the extra paperwork as a diversion to a simple and repairable mistake on their part. If you are looking for incurance for your company or even if you are a sole proprietor who occasionally hires an extra set of hands, choose a company other than this one. Save yourself some headaches!