Wednesday, February 28, 2018

Specialized Insurance Products for Youth & Family Services and Programs!

Youth & Family Service 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 they call 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!

Tuesday, February 20, 2018

Local Broker vs. Specialty Broker?

Hawley & Associates strongly believes in giving back to the community.  We encourage the support of local businesses and services operating in the areas that we all live and work.  But, when it comes to your insurance broker, you may need to think beyond your hometown borders.

Did you know that having a local broker could actually be a detriment to your organization, not a benefit?  A local broker may not have the necessary knowledge of important state/federal statutes, coverage limitations, a strong relationship with key carriers and access to specialty markets.

Hawley & Associates provides specialized insurance products and services for nonprofits, human service and social service organizations all across the country.  Our expertise gives us a broader view and understanding of the insurance industry and how it affects your organization.  It is our job to stay current on all changes in your industry and to keep your organization and mission protected.

Contact us today!

Tuesday, February 13, 2018


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!

Monday, February 5, 2018

Directors & Officers Liability vs. General Liability


Directors & Officers Liability vs. General Liability

Two critical insurance coverage’s for any nonprofit are General Liability Insurance and Directors & Officers Liability Insurance.  They both provide very different yet critical coverage for your nonprofit.  The key differences are:
Directors & Officers Liability Insurance (often called D&O) provides coverage for “intentional” acts.  This coverage is for defense costs & damages arising out of a wrongful or intentional act allegation and/or lawsuit brought against an organization’s board of directors and/or officers. Nonprofits may not realize that their board members could be held personally liable for the actions of the organization.
Common areas of dispute revolve around discrimination, sexual harassment, wrongful termination, negligence, failure to provide services, intellectual property rights infringement, mismanagement of assets, and misrepresentation of the financial status of the organization, just to name a few.
General Liability Insurance provides coverage for “negligent” acts. “Negligence” is defined as a failure to take proper care in doing something or failure to use reasonable care, resulting in damage or injury to others.  So, if your organization or it’s employees or even your volunteers (including your board members!) are negligent and have caused someone “bodily or personal injury or property damage”, you usually can rely on general liability insurance for coverage.
Many of these claims can be minimized by having good risk management practices & procedures in place.