Welcome   Hamtern Financial Services is a dynamic independent short term insurance  brokerage that places great emphasis on providing a professional and personalised  service to our clients.  We clearly understand our role as an independent intermediary and are not  conflicted in any business transactions with insurers or underwriting managers.  Furthermore we do not financially profit from the underwriting performance,  resulting from business placed by us with a particular insurer or underwriting  manager.  Hamtern are incentivised by attracting and retaining clients through our superior  service offering.  Our primary aim is to provide comprehensive, cost effective insurance and risk management solutions, utilising the most appropriate insurance market.  Whilst we fully exploit information technology, we pride ourselves in providing a  one-on-one service to both individual and business clients, through a team of  dedicated insurance experts.        Our business Values embrace:    - Utmost good faith - Ethical behaviour - Acting with integrity - Transparency  Copyright © 2010 Hamtern Financial Services Website by www.posil.co.za