The Uncertainty of the Earthquake Insurance Market

The earthquake market has moved onto unstable grounds as insurers and alternative capital investors demand higher returns on their capital. Over the past 20 years, the earthquake insurance market has narrowed down significantly, with many insurers leaving the market entirely, while others refuse to issue new policies in certain high-risk areas.  Even among those still … Continue reading The Uncertainty of the Earthquake Insurance Market

Agent vs. Broker – What Is The Difference?

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?

September is National Recovery Month

September is National Recovery Month and we would like to help create awareness and understanding of substance abuse issues in our country, as well as celebrating those in recovery and those who work in prevention and treatment. According to reports, 20.2 million adults suffer from substance abuse.  Of these, 7.9 million suffer from a co-occurring mental and … Continue reading September is National Recovery Month

World Association for Children & Parents Hope Luncheon 2016

Hawley & Associates attended the annual WACAP Hope Luncheon on April 21st, 2016, in Seattle, WA. The luncheon brought together individuals touched by adoption & supporters of the organization. It was wonderful afternoon filled with stories of hope and family! The WACAP team with Executive Director, Greg Eubanks (Center)

Claims-Made vs. Occurrence Forms

A clear understanding of both types of coverage is crucial in making an informed decision on which type of coverage to buy.  When one coverage is recommended over the other, in certain situations, it is not a matter of what is recommend but what the markets will allow.  For certain types and kinds of coverage a claims-made … Continue reading Claims-Made vs. Occurrence Forms

How Does Your Insurance Broker Rate?

The National Association of Professional Insurance Agents (PIA) recently conducted a survey of small business owners on what was the most important service factor in working with an insurance broker.  The results were published in the February 2016 PIA Connections magazine.  So...how does your insurance broker rate?    

Riskiest States for Employee Lawsuits – Are You At Risk?

Small to mid-sized businesses are faced with at least an 11.7% chance of an employee legal action in the US in 2014 according to Hiscox research.   Even if the charges don’t end up in court, they still carry costs to defend and can cause havoc with your everyday businesses. That’s why it's important to have Employment Practices Liability Insurance, … Continue reading Riskiest States for Employee Lawsuits – Are You At Risk?

Hawley & Associates Holiday Office Closure Annoucement

HAWLEY & ASSOCIATES will be closed on Monday, February 15th, 2016 in observance of the Presidents Day holiday.  Have a great holiday everyone!

Hawley & Associates Attends Bay Area Adoption Fundraising Gala

Phil Hawley was honored to attend Bay Area Adoption's Fundraising Gala in November.  It was held at the beautiful Carolands Chateau, just outside of San Francisco, Ca.  It was a magical evening, which included a silent auction and an incredible dinner.  The program was full of hope and amazing stories of family!  Thank you Bay Area Adoptions … Continue reading Hawley & Associates Attends Bay Area Adoption Fundraising Gala