Should i pursue actions against Biberk insurance?

i am a small business owner, I currently hold an insurance policy with Biberk business insurance and have been with this company since 03/23/2023, and I have serious concerns regarding potential fraud, bad faith, and breaches of contract. Recently, I discovered that the insurance company has added endorsements to my policy without my consent or prior knowledge, resulting in an unexpected increase in my policy costs. Furthermore, I have identified discrepancies in the information provided by the insurance company, including inflated figures regarding my annual income, which appear to have been manipulated to justify the increased premiums. Despite my attempts to address these issues, I have been unable to speak with a supervisor, and the underwriting department has not returned my calls.

The documentation I received 01/03/2025 claims that my annual sales and rental receipts amount to $145,800, which is inaccurate as my business solely provides mobile car detailing services and does not engage in rental activities. My actual annual revenue is approximately $70,000 before taxes and  deductible losses. When I inquired about the source of this erroneous information, the representatives were unable to provide a an answer and merely stated that they would escalate the matter to the underwriting department. This lack of transparency and communication has left me frustrated and concerned about the integrity of my insurance policy and the practices of the company. I have documentation and recorded calls.

Key points:

• No notification of any audits
• Endorsements added without my consent
• Policy number changes every renewal?
• They have no answers where these inflated numbers came from
• Inflated income figures to justify increase in policy premium