Hi there. Last year in April 2024 I bought small business insurance through Chubb because a client job required it. I paid the annual amount in full at the start. When the year was up in 2025, I didn't renew. They sent multiple bills and I didn't respond because my client was vacillating about continuing the project and I didn't want to spend the money if I didn't need to. Then they sent a notice saying that the policy was canceled, which I expected given I had not paid. But they kept sending bills and emails and it was annoying so eventually I replied that I was not intending to renew, I understood the policy had expired, and if I decided to re-insure, I would be in touch. All of a sudden they came back with a new amount for "earned premium" from the time the policy was canceled for non payment until the time I told them I wasn't planning to renew. Is this standard and normal? To be clear, I paid the full annual amount up front, and just didn't renew the policy by paying for a second year. Their explanation: We apologize for any confusion. There appears to have been a ceding issue on the non-payment cancellation. Therefore, the cancellation effective date is 6/4/2025. The earned premium is the premium amount from the coverage effect date of 4/2/2025 to the cancellation date since the policy cancelled due to non-payment. Can someone advise if this is normal? It's not a huge amount and I can suck it up, but it feels crooked to me because I presume if I had tried to make a claim after the first year was up without having paid, they would not have covered me.