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:
- Andy Anderson – Sr. Account Manager:
- Sandy Zuck – Account/Claims Manager:
- TJ Armstrong – Account Manager:
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.
Phillip Hawley – President | Hawley & Associates
GivingTuesday is a global generosity movement unleashing the power of people and organizations to transform their communities and the world on December 3, 2019 and every day.
One of the best ways to give is to get involved is in your own community. We have supplied a link to a directory to help you find organizations, events, and ways to give back in your own community.
Thank you for giving!
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
Veteran’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.
The Wayne Hawley Giving Grant is exclusive to Hawley & Associates’ clients, and has help support programs, projects and organizations whose focus is to benefit children, families, and our communities.
We would like to thank everyone who applied for the grant in 2019. We had a record number of applicants and it was so difficult to make our selection! Everyone was so deserving! Thank you to all our clients for the amazing things they are doing to help make the world a better place for so many.
Please click here for information on this year’s recipients.
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.
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.
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.
Welcome to Fall!
Please enjoy Hawley & Associates’ 3rd Quarter Newsletter. If you would like to subscribe to our quarterly newsletter, please email us at firstname.lastname@example.org.