The US Government has various rules on insurance companies that include a notification requirement if they are not going to renew a policy. However, apparently this requirement is for a date earlier than most insurance companies have made their annual underwriting decisions (in my case often because I have not gotten them all the information they need). So every year, like clockwork, I get notices on all my business insurance policies that they are not going to renew, and then like clockwork they (mostly) all renew. Insurance companies comply by sending, it appears, everyone a non-renewal notice. That way, they can't get in trouble for not informing you in time on the off-chance it actually does not renew. So in practice, the regulatory requirement is both expensive and worthless.
Actually, it is worse than worthless, as the two times I was non-renewed for a policy it was impossible to differentiate their actual warnings that I might have an underwriting problem from these pro forma ones. By forcing insurance companies to cry "wolf" constantly, I missed the real dangers.