I know this is not a phone company but we get fucked the same, our business insurance for a IT company has an annual premium of $7000.00 then they add on a fire service levy at 50% of the premium the goods and services tax 10% then the fucking stamp duty that was supposed to be dropped when the GST came in 2000 so my $7000.00 insurance costs $11,700 and in 12 years we have never had a claim of any sort