>$sql = "SELECT `policy` AS 'policy' FROM `Premiums` where ID < 10";
This statement just doesn't make any sense in terms of SQL. And you got some strange (non standard ) apostrophe's there as well.
Iamthwee, what are you talking about ? the back ticks `` denote a field name or table name within mySQL proper syntax.
PHP fills these in for you if you don't use them.