Thursday, March 29, 2018

Youth Ranch Insurance - Hawley & Associates

A Youth Ranch can offer a safe place for at-risk youth while trying to overcome life challenges.  They can provide a vast array of programs, including but not limited to; mental/behavioral health services, counseling and residential treatment programs.  Many can involve therapeutic activities, such as working with horses, cattle or other various livestock, while teaching a positive work ethic and responsibility.

They may also provide services for the families of these youth, by offering emergency housing/shelter and family counseling.

The exposures for these organizations are unique, and require an insurance broker that is versed in the programs they offer.  Working with horses and/or livestock presents a higher risk of exposure than most Social Service or Nonprofits. Equine Liability Insurance is just one of many specialized products that can help protect your important mission from the unexpected.

Contact us today for more information on specialized insurance products and services for your Youth Ranch.

Thursday, March 22, 2018

Do You Need Hired & Non-Owned Auto Insurance? The answer may surprise you!

Hired & non-owned auto insurance is a highly misunderstood coverage and often gets put at the bottom of the insurance coverage priority list. Hired and non-owned auto insurance provides coverage for bodily injury and property
damage losses caused by vehicles you don't own, vehicles you lease, hire, rent, and/or borrow, but are used for business operations.  Typically, these vehicles are personally owned by employees and volunteers—in other words, non-owned auto.
Organizations that don’t own company vehicles, may automatically assume they don’t need auto insurance. Nothing could be further from the truth! If you have employees or volunteers that drive their own vehicles on behalf of your organization, for any reason, then you can become responsible for auto claims. Situations where your organization may be responsible for damages can include (but is not limited to):
  • Using their own vehicle to go to meetings
  • Using their own vehicle to go to the bank, the post office, or other errands
  • Using their own vehicle to provide the services offered by your organization

Friday, March 16, 2018

Come Join Hawley & Associates at the WACAP Race for Home 5k Fun Run - May 6th, 2018!

HOME.  It's not just a building.  It is a place of belonging.  A place of safety where families support, nurture, and care for one another.  For the many children with a background of trauma, abuse and neglect, a loving home and family is just a dream.  But there is hope.  The World Association for Children and Parents (WACAP) is hard at work, finding adoptive families for them, and they need your help.
The Race for Home 5k Run will be held on May 6th, 2018 at Seward Park in Seattle, WA. By participating in the run (or being a 'Virtual Runner') you will help raise funds to find adoptive families for children and offer lifelong support once they are home.  Through the power of social media and the compassion of others, the goal is to raise over $20,000.

Hawley & Associates is so excited to participate as a team in this years run as The Hawley Roadrunners! Our individual team goal is $500.00. Please help support The Hawley Roadrunners and supporting a great cause by clicking here!

Let's do this!


Tuesday, March 6, 2018

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 form is the industry norm.  It could include the following coverage:
  • Directors & Officer Liability
  • Employment Practices Liability Fiduciary Liability
  • Employee Benefits Liability
These are examples of some types of coverage that are predominately written on a claims-made form.  That being said, Professional Liability, Sexual Abuse Liability and to a lesser degree, General Liability coverage may at times be written on a claims made form.

Learn More!