1 /5 Greg Harvey: I have been a client for several years beginning with Beach Insurance and Carson Beach prior to them selling the business. Carson was terrific as was their staff. VP apparently took over my polices when Carson moved on. In December of 2022 I cancelled my workmans comp policy because I no longer had an employee. My annual premium was $481 and I paid it monthly, the new term beginning in August of 2022. After cancellation, Hartford continued to bill me for the remaining balance. They wanted me to pay the full year even though I only had the policy 4-1/2 months this term. I will write a review on Hartford as well and take this to the California Department of Insurance. While they may be "legally correct" that they can collect all of it, it does not make it fair. I work thru independent agents with insurance to be my advocates and to get help when I need it. Today marked the worst customer service experience I have EVER had with an independent agent. I had a 3 way call with Hartford and Amber at VP. She was condescending, acted annoyed, and refused to see my side of the issue. During the call, she told Hartford--"the client does not want to pay it, you would have to decide if you choose to waive the rest of the premium". There was absolutely no empathy for my concern. There was no "Mr. Harvey, I understand your point of view, lets see what we can do". If you are looking for service from an independent agent, this is not the one. There are way too many others out there that would attempt to treat a client with respect.