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!
In a world where lawsuits seem to be commonplace, it is more important than ever to have the appropriate commercial insurance coverage in place. Every nonprofit is unique and there is no ‘magic’ online button, or a one-size fits all insurance program for your nonprofit.
If your agency offers advice or provides professional services, it is imperative to carry Professional Liability Insurance (also known as Errors & Omissions or E&O). If your organization is sued for negligence for errors and/or omissions while performing your professional services, your professional liability policy can help cover settlements and judgement expenses and attorney fees up to your policy limits.
Professional Liability vs. Directors & Officers Insurance:
There is a common misconception that a Directors and Officers (D&O) policy may be all you need. These two types of coverage may seem similar on the outside, but the main difference is who is covered.
Your D&O policy provides insurance brought on by a ‘breach of duty’ or wrongful act allegations and lawsuits arising out of the managerial decisions of board member(s), officers, employees and sometimes volunteers. Professional Liability insurance provides insurance for claims arising from errors and/or omissions made against the organization.
About Hawley & Associates
Hawley & Associates is solely in existence to provide specialized insurance solutions for social service and nonprofit organizations across the country and the world.
Our mission is to empower your mission by providing the most comprehensive and cost-effective insurance program and tailored risk management solutions that perfectly align with your unique operations and exposures. Less time and money spent on insurance means more of both to dedicate to the children, families and communities in which you serve.
We strongly believe in the industry we serve, and to us it’s much more than insurance – it’s about relationships. We are an extension of your organization and an unwavering champion in supporting the great work that you do.
As of April 22nd, 2019, Arizona became the 48th state to ban texting while driving. According to a study by the National Highway Transportation Safety Administration (NHTSA), 3,450 people were killed in distracted driving-related vehicle accidents in 2016, meaning 9% of all the fatal crashes this year involved distracted driving; and 14% of these crashes involved a fatality.
What is distracted driving?
Distracted driving is anything that diverts your attention away from driving. A few examples are:
- Eating or drinking
- Talking or texting on a cellphone
- Fiddling with a stereo, navigation or entertainment system
- Talking with someone in the vehicle
- Putting on make-up
- Grabbing something off the floor or backseat
The same study found that texting and driving is six times more dangerous than driving intoxicated. Sending or reading a text takes your eyes off the road for 5 seconds. At 55 mph, that’s like driving the length of an entire football field with your eyes closed.
What can we do?
Parents: Lead by example; talk with children about distracted driving and the consequences; sign a family pledge not to drive distracted.
Teens: Speak up when they see a friend or peer driving distracted; have friends sign a pledge; share message on social media.
Educators: Remind students about the dangers of distracted driving. Post posters and hand out materials relating to distracted driving.
Employers: Institute a company policy restricting texting, eating or any other form of distracted driving while operating company vehicles or while using their own vehicle for company business.
According to Proofpoint’s newest Quarterly Threat Report, Q4 2018, the threat of Ransomware did decline at the end of 2018, but has opened the door for out-right cyber extortion.
Extortion is an age-old crime that has found its way into the cyber world. This threat continues to gain traction as a multi-million-dollar criminal industry. The newest trend is in the form of “sextortion,” in which a cyber-criminal threatens to reveal compromising information (i.e. photos, videos or visits to questionable websites) if the victim does not pay a fee. They may even claim to have “evidence” of compromising activities. These emails generally do not contain malware or a malicious link and rely solely on fear, emotion and the human factor to trick victims into paying.
As the threat of cyber extortion continues to grow, staying one step ahead is your best recourse in combating this ever-increasing threat. Addressing your organizations’ vulnerabilities, developing appropriate policies and procedures, using up-to-date technology to secure your networks and securing the right insurance coverage are integral parts in your risk management arsenal.
For more information on cyber insurance, and how it can help protect your organization, please contact Hawley & Associates at www.hawleyandassociates.com.
Every nonprofit has a life-cycle; some can be very long and last for many years, while others can be quite short in comparison. Nonprofits shut down for a variety of different reasons. One agency might dissolve due to a change in the market, another due to changing policies or guidelines, like we are experiencing with the new Department of State regulations. Some agencies merge with other firms to combine assets and/or save on accreditation costs, like we saw happen in 2008 when The Hague was ratified. Some directors may retire or are unable to continue providing services altogether due to the outright exhaustion or stress that directing a non-profit can cause, what some people refer to as the “burn out” factor.
When a nonprofit chooses to close its doors, it may require a special coverage that could add an additional unforeseen insurance cost. This is especially true for the nonprofit that offers specialized professional services like adoption, therapeutic foster care, mental or behavioral health, or skilled medical care. Professional services are insured under a specific type of coverage form called a claims-made policy and it responds differently to a claim then the traditional, better known and understood occurrence policy. Learn more
These organizations provide resources and support for children, youth and families throughout the community. They can be quite diverse in the services and programs they offer and may include, but not limited to; drug & alcohol prevention programs, as well as mental/behavioral health and at-risk youth programs. Some may also offer a group home, residential treatment or transitional housing options.
Hawley & Associates is here to help guide you through the tangled web called insurance. We have the knowledge and experience in these specialized programs and understand your risks and exposures. We speak your language! Contact us today and discover the Hawley difference!
It may be funny to see a Valentine’s Day message from a commercial insurance broker, but we felt it the perfect time to acknowledge and show our love for our amazing clients!
Our clients dedicate themselves to serving the Social Service and Nonprofit community and unselfishly give back each and everyday. Their work makes the world a better place for so many individuals that may be struggling with addiction, homelessness, and/or mental health issues. They may also help a child find a forever home or provide a safe place for victims of abuse or domestic violence.
Hawley & Associates truly loves what we do and is so proud to be a partner in our clients’ missions.
To our clients – thank you for all you do and Happy Valentine’s Day to everyone!
We are so excited to once again offer The Wayne Hawley Giving Grant for 2017! The Grant is open to all Hawley & Associates’ clients that serve in the Social Service industry, and is comprised of two individual grants in the amount of $5,000 each. This Grant is our way of giving back and helping to make a difference in the nonprofit world in which we live and work.
We received 35 submissions this year and carefully reviewed each application. Every organization was so deserving and all the projects truly touched our hearts! We wish we could help each and everyone of you!
AND THE WINNERS ARE…
To learn more about these organizations and how the grant monies will be used Click Here
Thank you to everyone who applied and for all for the work you do, and thank you for letting Hawley & Associates be a part of your mission!
Check out H&A’s 3rd Qtr. Newsletter!
Hawley & Associates was so honored to be a part of the Lutheran Social Service of MN
. “Celebration For Changing Lives” annual fundraising event this year. It was held at the Marriott City Center, in Minneapolis, MN.
Lutheran Social Service of MN. has been part of the community for over 150 years. They serve Minnesotans by providing a wide range of human support services related to the basic necessities of life – food and shelter, physical health and safety, and emotional and spiritual well being.
It was a beautiful venue, amazing food, thought-provoking entertainment, and best of all, stories of hope and inspiration!