why has my workers comp raised and now I have court?

Your bill would usually only go up if your payroll were much higher than you initially stated when you purchased the policy or if you failed to comply with an audit and they did an estimated audit (when they do this they usually use a much higher payroll figure than what was originally used to calculate the policy premium). It sounds to me as if it is an estimated audit.

What you need at this point to get out of this mess is to contact the insurance company and ask them to do another audit. You will need to let them see your checkbook, copies of cancelled checks, copies of your 941s or 940, state unemployment reports, etc. If you used any sub-contractors (individuals that you paid on a 1099) then you will need to provide them with proof of insurance on the subs, i.e. a Certificate of Insurance. If you had no employees during the policy period, then you will still need to provide them access to your checkbook and copies of your personal tax return which should include the self employed schedule or the tax return for your company.

You need to hurry up and get this done before you end up being sued. Also fyi the insurance company cannot read your mind and does not know that you don't want the insurance anymore or that you no longer have employees. They need you to cooperate and respond to their letters. Owning a business entails a lot of responsibility--it's time you stepped fully up to the plate!

I hope this helps. Good luck!

I owned an S Corporation at one time, with myself as the only employee, in Illinois, and did not have to pay any workman's compensation insurance.

If you are the only employee you are not required by law to carry it, at least not in Illinois.

You should check with your local government to see what the law is for this in your area. I do, however, think that it is a federal law.

Do some research in this area. You may have been buffaloed by your insurance company,and their lawyers, and may even be do some reimbursement.

Do some homework, it may pay you big dividends. Also, you may need to restructure your business status, and change to an S Corporation, in order to do so.

I hope this helps. Peace.