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
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.
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.
Deadline for applications is September 30, 2019!
Food-borne illnesses are most common in summer. With higher temps and sometimes ‘not so ideal’ conditions, such as camping or a maybe a long road trip, bacteria growth reigns supreme.
Here are some great tips to keep your summer plans on track and most importantly safe!
- Use separate cutting boards for raw meat and vegetables to reduce the chance of cross-contamination. Harmful bacteria present in raw meat and poultry can contaminate even cooked food.
- Keep perishable food cold until ready to use.
- Never use tongs or utensils that have touched raw meat or poultry to serve cooked food.
- Camping – Keeps foods cold!A block of ice last longer than ice cubes. Empty milk cartons filled with water and then frozen are a great alternative to ice cubes or purchasing block ice in the store. Also, fuller coolers tend to stay cooler longer.
- Put cold drinks in a separate cooler.This will help minimize the number of times the cooler is opened, thus keeping the food cooler colder longer.
- Don’t reuse marinades.This will prevent raw meat juices getting onto your cooked food.
- Cook food thoroughly.Using a thermometer gives you the best results in determining whether your meat is under or overcooked.
- Throw out leftovers.Perishable items left out for two or more hours should not be consumed.
- Thaw and marinade food in the refrigerator.
- Keep things clean, including your hands!
Spring: A lovely reminder of how beautiful change can truly be!
Hawley & Associates is in existence for just one reason; to provide specialized insurance solutions for the nonprofit and social service community. It has always been and will continue to be our sole focus.
We would like to share a wonderful article recently published by the Insurance Journal about the founding of Hawley & Associates, our niche market and the roots of our unique mission.
We would like to thank our clients for allowing our mission to empower your mission!
Source: Insurance Journal, February 4th, 2019 | Volume 97 No. 3