Insurance is a contract, and unless it is unpaid, cancelation is limited by insurance law. Writted notice with proof of mailing must be maintained by the carrier if it is a non-renewal notice, of most especially, an increased non-discloded hazard cancelation, and/or mnoral trupitude cancelation.
Rate increases must by justified by claims, and reserves, in general, for a rating territory and state. I think there's no problem there. By law, rates should be ADEQUATE to pay losses and maintain reserves but not excessive. NYS NJ both have decided that anything over 5% company wide underwriting profit statewide is excessive..