Hawley & Associates COVID-19 Updates

covid 19

As the situation around the Coronavirus (COVID-19) continues to quickly evolve, we want to provide you with an update on how Hawley & Associates is ensuring our ability to meet your business needs at this unprecedented and challenging time.

Hawley & Associates will remain fully operational and will continue to provide the insurance products and services that you have grown accustomed to.

We are monitoring guidance from the Centers for Disease Control (CDC) and the World Health Organization (WHO) on a daily basis and are communicating with our staff to share the latest information as we have it.

We have also taken the necessary steps to ensure the safety of our staff, while continuing to conduct business as “normal”. We have facilitated the ability for our employees to work remotely where appropriate to minimize social contact. You can continue to reach your Account Manager via our main phone number at (425) 462-4758 or through their individual emails:

In this uncertain time, it is understandable that some clients may have coverage questions in regard to business losses resulting from the virus. Many insurance policies have a standard policy exclusion for damages resulting from any communicable disease, such as a virus. It is important to review your policy wording, as each policy is unique to itself, or contact your Account Manager with any questions.

Wishing you and your loved one’s safety and peace during these difficult times. We will continue to provide updates as they develop. Thank you for allowing us to share in your mission and we appreciate the trust you have placed in Hawley & Associates.

With gratitude,

Phillip Hawley – President | Hawley & Associates

Happy Valentine’s Day!

Valentines Day

Happy Thanksgiving from Hawley & Associates!

All of us at Hawley & Associates would like to wish everyone a Happy Thanksgiving!

Our Holiday Hour Are As Follows:

Wednesday, November 27th, 2019 – Closing at 2 pm (PST)

Thursday, November 28th, 2019 – Closed

Thanksgiving

Honoring All Who Served

Veterans Day.jpgVeteran’s Day was November 11th, so I am a little late in writing this post.  But, we didn’t want the day to go by without honoring all the men and women who have served in the United States Armed Forces. We are forever grateful for your service and sacrifice.

Agent vs. Broker – What Is The Difference?

Agent vs. Broker 3

The terms Agent and Broker are sometimes used in the same context, but in reality, they are quite different.  Both do act as a liaison between the insured and the insurance company, but the main difference is who they represent.

AGENT:

An insurance agent works for the insurance company.  They can represent one or more insurance companies and acts as an extension of those companies. They are authorized to bind or initiate coverage on behalf of the insured.

There are two types agents: Captive and Independent. A Captive agent sells insurance for one specific insurance company.  An Independent agent sells insurance for multiple insurance companies.  In essence, they do the ‘shopping’ for you.

BROKER:   

An insurance broker works for their clients.  They are an advocate and work in the best interest of their client, not the insurance company.

There are typically two types of brokers: Generalists and Specialists.  Generalists do not restrict themselves to certain industries or lines of business and sometimes consider themselves as a “one stop shop”.  They can insure gas stations, restaurants and even nonprofits.  With their book of business being so broad, it may be difficult for them to have the necessary knowledge and expertise into a particular industry or business, especially ones that are complex or have high risk factors.

A specialty broker does just that; they specialize or have a niche in a particular line of business or industry. They have access to a variety of markets, comparing multiple programs side by side. They generally have stronger relationships with underwriters and have a unique ability to negotiate for better terms and premiums. They will also have a better understanding of the exposures and various risks associated with a particular industry or business and can better recommend the specialized insurance solutions needed.

Happy Fall Y’All! Hawley & Associates’ 3rd Quarter Newsletter

Welcome to Fall!  

Please enjoy Hawley & Associates’ 3rd Quarter Newsletter.  If you would like to subscribe to our quarterly newsletter, please email us at info@hawleyandassociates.com.

 

3rd Qtr. 2019

10 Steps To Minimize Risk When Employees Work Remotely

Handsome businessman with eyeglasses working from home

Many organizations are embracing a remote working lifestyle and this trend is only rising. Nearly 3% of the US workforce works remotely in some capacity.  This is a 115 percent increase from 2005.

For all the benefits it may bring, it is opening your business up to an increased risk of a serious data breach.  There are many factors that can contribute to your business becoming the next victim of a cyber attack:

  •          Inability to enforce security protocols
  •          Remote workers risky behavior
  •          Not adhering to security best practices
  •          Sharing devices with family and friends
  •          Not recognizing suspicious behavior

So, what can you do?

Cyber threats will always be a part of our reality, and cyber security has a hard time keeping up in this ever-changing environment.  If you have employees that work remotely, now is the time to take another hard look at the security of your data.  Here are 10 steps you can take to help minimize your risks:

  1. Establish written company security protocols
  2. Restrict or limit the use of public Wi-Fi
  3. Use a Virtual Private Network (VPN)
  4. Raise awareness by educating workers on how to recognize suspicious behavior
  5. Monitor company issued devices (check your state statutes)
  6. Apply cloud services
  7. Enable data protection software on all devices
  8. Restrict employees use the internet and not to use device for personal reasons
  9. Proper password management
  10. Do not share devices with friends or family

Contact Hawley& Associates today for information on Commercial Cyber Insurance and how it can protect your organization in the event of a data breach.

To Those Affected By Hurricane Dorian

US Map

Our thoughts and prayers go out to all those in the path hurricane Dorian and the subsequent tropical storm.  Our sincere wish is for everyone’s well-being and safety.

We talked to a client who was in an evacuation zone.  They were in surprisingly good spirits and had already moved their residential clients to a safe place.  We do stand in awe of the resilience of our clients who live and work in these affected areas and their continued commitment to serve and care for others.

If your agency is impacted by the storm, please be assured we are here for you every step of the way. We are just a phone call or email away.  If you need assistance after-hours, please don’t hesitate to call our emergency claims/service line at (425) 577-4957.

On behalf of everyone at Hawley & Associates, we wish everyone strength and safety during this difficult time.

Quote for the Day!

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Wayne Hawley Giving Grant – Don’t Miss Out!

TheWayneHawleyGivingGrant

The Wayne Hawley Giving Grant is exclusive to H&A clients who serve the social service and nonprofit community.

 

The grant is named in loving memory of Phil Hawley’s father, Wayne Hawley, who was instrumental in the formation of Hawley & Associates, and a guiding force in making our agency the strong, dedicated and caring company it is today.

 

The grant is comprised of two individual grants in the amount of $5,000.00 each.

Click here for more information!

Deadline for applications is September 30, 2019!