We appreciate your calling to our attention the fact that have had a problem reaching your insurance agent early enough in the morning. Our policy is to be available at all times particularly when there is an emergency.Our regular opening hour is indeed 9:30, but for a reason.After we opened an office in Denver last year, we discovered that we could serve our policyholders better by keeping the Boston office open until 7:00 P.M., instead of closing at 5:00, to accommodate Mountain Time clinetele. So, despite the slightly later hour of opening, our staff members actually work longer hours than they would in most other offices.