My insurance agent here in Tempe, Arizona new I had two business operating and was charging me a set premium for both business. When I was audited by American Family I wrote down the two business and they came back and told me that they had never known about one of the businesses, even though both showed up on my statement every month. They then sent me a bill for the increase that they calculated for the entire year before. Now only was I caught completely off guard, having no idea that my insurance was going to double, but I had to payout double for the year before. This seems unethical. I will never use Amrercian Family again.