I have been very happy with the level of expertise and competence by Hammond. In August I searched the website for PII (single premium run off) and spoke with my Account Manager. His manorism and communication was perfect, not selling anything to me, just plain simple friendly advice and assistance. i believe he thought that nothing would come from this call/email. When I called again last week, again his manorism was perfect and his advice and help was also reassuring. Afterwards I called my own insurance broker and was given NO advice or help, just a simple expensive run off policy price. It was only when I transferred agency to Hammond that they decided to assist, too late! I would like to thank my Account Manager for his help and in securing a low premium and would recomend him (and Hammond) to any other accountant.