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!
The landscape is definitely changing when it comes to insuring your foster care agency. Many agencies are receiving non-renewal notices, or their premiums have increased substantially, even without a large claim history. What is the reasoning behind these dramatic and sometimes very shocking changes?
Some contributing factors:
- The high-risk factors associated with child welfare
- Claims increasing in severity and frequency
- Nonprofits are diversifying their services, thus increasing their exposures
- Contracts are requiring higher limits, resulting in higher premiums
- Changes in carrier appetites and the types businesses they will cover/not cover
- Changes in policy forms
As a result, Carrier risk management requirements are being raised. Creating a robust risk management program is imperative in controlling your losses, premiums and meeting carrier requirements. Start by electing a risk management officer or mandated reporter, create a formal incident reporting program and reduce and manage a social worker’s caseload/workload. This is a great place to start.
So, what is your foster care agency to do in these changing times? Contact a specialist. Hawley & Associates specializes in hard-to-place risks, including adoption & foster care. Our broad access to specialized markets and innovative risk management tools allows us to partner in and empower your mission!
The Economic Opportunity Act was founded in 1964 by President Lyndon B. Johnson, to fight the war on poverty in the US. This in-turn created the Community Action Program; a network of public, nonprofit and private organizations that help connect our nations children & families to services and programs, leading them to greater opportunities, economic stability, and self-sufficiency.
May is Community Action Month and Hawley & Associates would like to recognize the over 1000 Community Action Agencies and Programs that have the passion to serve and empower our community’s low-income families.
A list of some of the programs offered:
Head Start Programs
Meals on Wheels
Home Energy Assistance
According to the US Census Bureau, in 2017, the poverty rate in the US was 12.3 %, which is down 0.4% from 2016. This is the third consecutive year in which the poverty rate has declined, but the problem is still very real.
Thank you to these agencies that dedicate themselves in fighting poverty and helping others help themselves and by allowing Hawley & Associates to be a part of your mission.
May is National Foster Care Month!
Hawley & Associates is honored to partner with our foster care clients’ commitment of making the world a better place for our countries foster children.
These inspiring real-life stories from families and professionals made our day! Help us raise awareness by sharing these empowering experiences.
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.
Being a foster parent today can be more challenging than ever, as many foster children come into the system already abused or neglected. Allegations of abuse in the foster care system are not uncommon. In 2016, approximately 4.1 million allegations of child abuse and neglect were made to child protective service agencies.
According to the National Foster Parent Association, adoptive parents have a 1 in 8 chance of being falsely accused of abuse or neglect. Lawsuits can be brought by the biological parent, the child, or others arising out of the foster parent/child relationship.
Every responsible foster parent should consider Foster Parent Liability Insurance, which defends foster parents from allegations of abuse. Attorney fees, defense costs and award judgments can rack up thousands of dollars, even if they are unsubstantiated.
For more information on this important coverage, please contact Hawley & Associates.
Hawley & Associates specializes in providing custom insurance solutions for social service and nonprofit organizations across the country. It’s all we do. This specialization gives us a unique advantage in negotiating lower premiums and providing your organization with the most comprehensive and cost-effective coverage, along with tailored risk management solutions that perfectly align with your unique operations and exposures.
Our specialized niche, exclusive programs, broad access to specialty markets, strong carrier alliances, and team-based approach allows Hawley & Associates to best partner with your organization and support the great work that you do!
Let’s partner in 2019!
We were just named a Constant Contact All Star for 2018. Thanks to our subscribers for reading and responding to our emails!
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.