Check out our H&A 2020 3rd Quarter Newsletter ~ Commercial Insurance Forecast

The H&A 3rd Quarter Newsletter is hot off the press and is titled "Commercial Insurance Forecast". It's a look into the insurance marketplace during the economic downturn and COVID-19, plus other interesting articles and fun facts!

What’s Up With The Commercial Insurance Market?

By: Hawley & Associates and Lutheran Social Services of Minnesota Risk Management team You might not realize it, but times have been relatively good for insurance customers. For the most part, premiums have been steadily reducing for years now. In the insurance world, we call this a soft market. But this has changed drastically. The … Continue reading What’s Up With The Commercial Insurance Market?

To All Those Affected by Hurricane Laura

Our thoughts and prayers go out to all those who are or will be affected by Hurricane Laura.  You are in our thoughts and our sincere wish is for everyone's safety and well-being. For our clients specifically, we want to remind you that we are your claim advocates. If you experience a claim, we are here to help! … Continue reading To All Those Affected by Hurricane Laura

The Gift of Art: 10-Year-Old Girl Gives 1,500 Art Kits to Kids in Foster Care and Homeless Shelters During Pandemic

A 10-year-old girl is solely responsible for giving the gift of art and smiles to more than 1,500 kids in foster care and homeless shelters during the Covid-19 shutdowns. The brains behind Chelsea’s Charity – a nonprofit started in August 2019 for the purpose of donating art kits to at-risk children – is Chelsea Phaire, … Continue reading The Gift of Art: 10-Year-Old Girl Gives 1,500 Art Kits to Kids in Foster Care and Homeless Shelters During Pandemic

International Crime Ring Targeting U.S. Unemployment Systems

Washington state has been hit the hardest, with other's sure to follow. A global pandemic means everyone on planet earth knows about COVID-19 and its effects on industries across the world. The Identity Theft Resource Center says for scammers – this is like the Super Bowl, the World Series, the World Cup, and the NBA … Continue reading International Crime Ring Targeting U.S. Unemployment Systems

Senate Lawmakers Seek $5 Billion to Track Down Child Predators Without Compromising Encryption

With the Senate back in session last week, Democratic lawmakers revealed new legislation aimed at drastically expanding the federal government’s resources dedicated to the targeting and prosecution of child predators, developing new technologies to identify child sexual abuse material online, and funding leading community organizations that work to prevent children from becoming victims. In a … Continue reading Senate Lawmakers Seek $5 Billion to Track Down Child Predators Without Compromising Encryption

May is National Foster Care Month

May is National Foster Care Month and we want to take time to acknowledge the foster parents, family members, volunteers, mentors, policymakers, child welfare professionals, and other members of the community who help children and youth in foster care find permanent homes and connections. With over 400,000 children in the foster care system at any … Continue reading May is National Foster Care Month

5 Tips on How to Celebrate Cinco de Mayo at Home

Cinco de Mayo, or the fifth of May, is a holiday that celebrates the date of the Mexican army’s May 5, 1862 victory over France at the Battle of Puebla during the Franco-Mexican War. It is also known as Battle of Puebla Day (not Mexican Independence Day). While it is a relatively minor holiday in … Continue reading 5 Tips on How to Celebrate Cinco de Mayo at Home

Is Compliance Really the Goal of Childhood Behavior?

Compliance is a word that is used regularly in the world of behavior. It’s written about in Individualized Education Programs, it’s used as a goal when students have behavioral episodes, and data is collected on how often it does or does not occur. Even in personal interactions with kids, such as with our own children … Continue reading Is Compliance Really the Goal of Childhood Behavior?

The Uncertainty of the Earthquake Insurance Market

The earthquake market has moved onto unstable grounds as insurers and alternative capital investors demand higher returns on their capital. Over the past 20 years, the earthquake insurance market has narrowed down significantly, with many insurers leaving the market entirely, while others refuse to issue new policies in certain high-risk areas.  Even among those still … Continue reading The Uncertainty of the Earthquake Insurance Market