When it rains it pours... If things aren't bad enough, the insurance marketplace is following suit. We are seeing premium increases, many sizable, for more lines of insurance than we've experienced in recent memory. Along with the increases, we are also experiencing more restrictive coverage, minimum premium increases, lower limits and some carriers are even … Continue reading Commercial Insurance Forecast – Cloudy with A Chance of Premium Increase
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
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
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
Because insurance carriers are experiencing higher than expected losses, a hardening insurance market is rearing its ugly head. A hardening market means increased premiums and tighter underwriting requirements for many lines of coverage, including; commercial property, E&O, D&O, Auto and EPL. The 2017 hurricane season and the 2018 California wildfires resulted in a combined insured … Continue reading The Hardening Insurance Market – Three Things to Get You Through The Storm
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 … Continue reading Agent vs. Broker – What Is The Difference?
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 … Continue reading 10 Steps To Minimize Risk When Employees Work Remotely
Besides offering tailor-made insurance programs designed specifically around your unique operations and exposures, we do offer the exclusive WorldPro Insurance Program. It is the most comprehensive and cost competitive program offered to social service organizations today. Since it’s inception, WorldPro now insures some of the largest nonprofit organizations in the country. Program Highlights: High Limits … Continue reading Exclusive WorldPro Insurance Program for Social Service Organizations
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 … Continue reading Wayne Hawley Giving Grant – Don’t Miss Out!