When it rains it pours...
If things aren't bad enough, the insurance marketplace is following suit. We are seeing premium increases, many sizable, for more lines of insurance than we've experienced in recent memory. Along with the increases, we are also experiencing more restrictive coverage, minimum premium increases, lower limits and some carriers are even exiting certain markets altogether. But, there is reason for optimism!
Now more than ever it's important to have a 'beacon in the storm' advocating for you at your next renewal.
Hawley & Associates specializes in providing innovative insurance solutions exclusively for nonprofit, social service and human service organizations. It's all we do and we can help you navigate through your next renewal.
Our unique specialization gives us an advantage in accessing hard-to-find specialty markets and aggressively negotiating for the lower premiums and coverage you need to fulfill your important mission.
We can DO when others can't!
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We intimately understand the nuances of insurance in this vital sector, as well as the balance between your bottom line and the coverage you needed to protect the life-changing work that you do.
Considering the race relation challenges the nation and world has been witnessing, some parents and child advocates might find it challenging to find the words when explaining these situations to young children. Back in April, Sesame Street partnered with CNN to spell out the ABC’s of Coronavirus in a televised town hall for parents and kids. Now, they are back to help families and caregivers educate their children about racism. This Saturday, June 6 at 10a.m. ET, CNN and Sesame Street will be hosting a 60-minute special Coming Together: Standing Up To Racism.
The PBS Muppets will be welcoming diversity and explaining how to be empathetic and understanding. According to CNN, the show intends to talk to kids about the recent nationwide protests. Big Bird will be co-hosting with CNN commentator Van Jones and reporter Erica Hill. Original Sesame Street cast members will be joining as well – including Elmo, Abby Cadabby and Rosita. They will be helping to answer questions submitted by families.
Sesame Street has been with us for over 50 years helping to explain the ins and outs of the world to children. They have never shied away from addressing the dark or scary topics of society with kids. A new Muppet was introduced in 2011 who struggled with hunger. Another Muppet moved onto the street who had autism, and in 2009, they even debuted a cute character who was HIV-Positive. And just last year, a new character named Karlie explained how he lived in a foster home.
Viewers can tune-in Saturday, June 6 at 10 a.m. ET on CNN, CNN International and CNN en Español. It will also stream live on CNN.com’s homepage and across mobile devices via CNN’s apps, without requiring a cable login.
Hawley and Associates was founded on the core belief of empowerment, equality and a brighter future for our clients and community. In this, we stand with our neighbors of color against systemic racism, injustice, hatred, and police brutality. Treating all people with dignity and respect is a cornerstone of our mission, and in this very difficult time we commit to acting in alignment with our values. Based on this, we continue to stand behind you and your mission to help make a difference in the communities we all serve and support.
A 10-year-old girl is solely responsible for giving the gift of art and smiles to more than 1,500 kids in foster care and homeless shelters during the Covid-19 shutdowns. The brains behind Chelsea’s Charity– a nonprofit started in August 2019 for the purpose of donating art kits to at-risk children – is Chelsea Phaire, a vibrant sixth grader from Danbury, Connecticut, who started this organization with her parents as part of her 10thbirthday present.
“Since she was seven, she was begging me and her dad to start a charity,” Candace Phaire, Chelsea’s mom, told CNN. “She was so persistent, every couple of months she would ask, ‘Are we starting Chelsea’s Charity yet?’ When she was turning 10, she asked us again, and we decided it was time to go for it.”
Chelsea asked people to give her art supplies instead of birthday gifts as a way of commencing the charity on her birthday. After the first round of donations helped to supply several dozen art kits for children in need, Chelsea pushed on and set up her charity’s Amazon Wishlist as a way to collect supplies for the kits. Since then, Chelsea’s Charity has donated hundreds of art kits to women’s shelters, schools, and homeless shelters impacted by gun violence in 12 US States. Each kit contains crayons, gel pens, coloring books, paper, and colored pencils. Although stay-at-home orders have prevented her from personally delivering the kits like she normally would, she has still managed to send an additional 1,500 art kits since quarantine started.
Chelsea believes art is a healing remedy, which is why her mission is to help as many traumatized kids as she possibly can through art. Despite her tenacity and zest for life, she herself is no stranger to trauma. When Chelsea was just 8, someone considered part of her family lost their life to gun violence. This was the point that art went from being a hobby to the perfect therapy. Knowing that there are other children out there also dealing with trauma is what motivated Chelsea to help make art more accessible to kids in need and to help them cope with their emotions.
Candace Phaire, who is a professor of early-childhood education at Central Connecticut State University, believes art plays an important role in the emotional development of children. “Art therapy is being prescribed a lot more to support the mental health of young kids, especially those with social and emotional deficiencies,” Phaire told CNN. “Now with Covid-19, a lot of kids in shelters and also children in foster homes might not have access to art supplies they usually find in school. It is also mental health awareness month, so that’s definitely motivating us to ramp it up and send even more kits.”
While she may have had to alter her in-person delivery service to accommodate social distancing, it won’t stop Chelsea from bringing smiles and hope to children all over the country. During such unprecedented times we are all experiencing, it’s restorative to see such selfless action taken to spread joy and wonderment throughout our communities. All of us here at Hawley and Associates commend Chelsea and her willingness to serve others and we have been truly inspired by the message behind Chelsea’s Charity.
A global pandemic means everyone on planet earth knows about COVID-19 and its effects on industries across the world. The Identity Theft Resource Center says for scammers – this is like the Super Bowl, the World Series, the World Cup, and the NBA finals all rolled into one. And now, federal unemployment benefits are their next victims.
As all states struggle with an extraordinary spike of jobless claims amid the coronavirus pandemic, cyber criminals are targeting unemployment sites with fraudulent claims to illegally funnel money, according to the U.S. Secret Service. More than 36 million Americans have filed for first time unemployment benefits since early March as stay-at-home orders force businesses to shut down, leading to layoffs across the nation. In the meantime, state departments have become completely overwhelmed due to the high demand, limited staffing, and out-of-date unemployment websites – and criminals are making the most out of this chaos.
The attackers have used detailed information about U.S. citizens, such as social security numbers, banking information and more that may have been collected during past cyber-attacks, to file claims on behalf of people who have not been laid off, officials said. These attacks have capitalized on state unemployment systems at a time when they are drowning in claims to process from an employment crisis unrivaled since the Great Depression.
The Secret Service dispersed a memo last week cautioning officials that these criminals seem to be connected to a Nigerian crime ring and may have already stolen hundreds of millions of dollars, security researcher Brian Krebs reported. The memo said the scammers were primarily targeting Washington state, as well as North Carolina, Rhode Island, Massachusetts, Oklahoma, Florida, and Wyoming. The Washington state agency that oversees unemployment started to comprehend the degree of the fraud last week, when people who are still employed started to call and ask why they had received confirmation of unemployment benefits, according to The New York Times.
Using stolen credentials to fraudulently file for unemployment is just one of the tricks they use, while also reportedly recruiting “money mules,” or people who transfer illegally obtained money on behalf of others to disrupt the paper trail, according to the Secret Service. The Agency is warning states to remain on high alert for fraud schemes, warning that every state could be susceptible.
On top of the current pandemonium we are all experiencing, being on the lookout for fraudsters is now on the forefront of our minds. It is pivotal to be able to identify scams that might try to contact you by phone or email, pretending to be able to help in some way. Hawley & Associates cares deeply for our clients, employees and community which is why we have compiled this guide on steps to take if you or someone you know falls victim to the current unemployment scam or any other type of identity theft.
With the Senate back in session last week, Democratic lawmakers revealed new legislation aimed at drastically expanding the federal government’s resources dedicated to the targeting and prosecution of child predators, developing new technologies to identify child sexual abuse material online, and funding leading community organizations that work to prevent children from becoming victims.
In a nutshell, the Invest in Child Safety Act would create a new Office to Enforce and Protect Against Child Sexual Exploitation, which would manage a Child Sexual Exploitation Treatment, Support and Prevention Fund. The fund would contain $5 billion to be apportioned between 2021 and 2030 to a variety of agencies for programs or activities directed at addressing child sexual exploitation. The Act also makes a few minor changes to the law, including increasing the time frame that authorities must act on reports about child abuse materials received from online platforms, before the platforms are required to delete those materials.
The bills chief author, Sen. Ron Wyden, credited reporting by the New York Times, with exposing what he called a “failure” by Congress and the White House “to respond to disgusting crimes against children that are shared online.” Chilling investigations by Times reporters Michael Keller and Gabriel Dance last year unveiled the failure of Washington and America’s tech companies to aggressively cut off the circulation of child sexual abuse material online, despite having the technical means to do so.
The bill, which also allots for funding to school-based mental health services, amends the existing law behind the CyberTipline, the nation’s central reporting system for child abuse content, managed by the nonprofit National Center for Missing & Exploited Children (NCMEC), doubling the allotted time companies can preserve digital evidence from 90 days to 180 days. The bill also requires entities reporting to the CyberTipline to preserve illicit material using only methods established by information security experts at the National Institute of Standards and Technology (NIST).
The Invest in Child Safety Act would additionally lead to the hiring of “not less than 100” new FBI agents and investigators specifically assigned to developing cases against online predators. And it would double funding for various related programs, including the Internet Crimes Against Children (ICAC) task force, and the National Criminal Justice Training Center (NCJTC), which trains criminal justice professionals in the prosecution and prevention of child victimized cases.
Before it was introduced to the senate, the bill received endorsements from the National Children’s Alliance, the Child Welfare League of America, and the Family Online Safety Institute, as well as David Kaye, the United Nation’s Special Rapporteur on Promotion and Protection of Freedom of Expression.
“Law enforcement agencies at all levels in the United States are significantly under-resourced when it comes to investigating and prosecuting child sexual abuse material online, and only able to pursue a fraction of the cases referred to them,” the Open Technology Institute said in its endorsement. “The Invest in Child Safety Act would directly address this problem, providing meaningful resources that would equip law enforcement and the National Center for Missing & Exploited Children to more effectively combat this crisis and hold predators accountable.”
Hawley & Associates applauds this remedial legislative action, Congress, organizations, and individuals whose hard work contributes to making the world a safer place for children.
May is National Foster Care Month and we want to take time to acknowledge the foster parents, family members, volunteers, mentors, policymakers, child welfare professionals, and other members of the community who help children and youth in foster care find permanent homes and connections.
With over 400,000 children in the foster care system at any given time, and a new child placed into care every 2 minutes, the need for support services, essential items, and foster parents is high. National Foster Care Month shines a light on these children and points us all in the direction of solutions.
We would like to share some inspiring real-life stories and raise awareness of the need for strong, collaborative communities that help keep families together.
Cinco de Mayo, or the fifth of May, is a holiday that celebrates the date of the Mexican army’s May 5, 1862 victory over France at the Battle of Puebla during the Franco-Mexican War. It is also known as Battle of Puebla Day (not Mexican Independence Day). While it is a relatively minor holiday in Mexico, in the United States, Cinco de Mayo has evolved into a commemoration of Mexican culture and heritage, particularly in areas with large Mexican-American populations.
Cinco de Mayo will look a little different from previous year celebrations amid the Covid-19 outbreak. We remind you to celebrate at home and have no gatherings outside the immediate household. Also, please remember the importance of social distancing and to wear a mask while having fun during the Mexican holiday.
Here are 5 tips on how to celebrate at home:
1. Support your local Mexican restaurant.
The chances are your local Mexican restaurant is opening for delivery or take-out. By supporting our local restaurants today, we can help ensure they will be around tomorrow.
2. Inform yourself on the Battle of Puebla:
Take some time to learn about this holiday and why it is celebrated. Knowing the history behind Cinco de Mayo, can help you celebrate in a more respectful and educated way. Puebla is actually one of the few places in Mexico that highlights this holiday.
3. Learn to make a true Mexican margarita:
Believe it or not, you can actually have a margaritas that doesn’t come from a pre-made mix! There are many online recipes and classes on how to make the perfect margarita from scratch (and some creative spin-offs from the original cocktail).
4. Have a Zoom Fiesta:
Gather your friends on a group Zoom call. Set a festive background and put on some fun music and toast with a margarita.
5. Cook at home
If cooking at home is more your style, the options are endless when it comes to Mexican inspired dishes. Enchilada’s, tacos, fresh salsa and creamy guacamole are a great place to start!
Compliance is a word that is used regularly in the world of behavior. It’s written about in Individualized Education Programs, it’s used as a goal when students have behavioral episodes, and data is collected on how often it does or does not occur. Even in personal interactions with kids, such as with our own children at home, we often place a more significant weight on compliance than we do decision-making.
“Listen and obey.”
“Do as I say.”
“Because I said so.”
“Don’t argue with me.”
Think about the kind of message that is sending kids. Are we conveying a message that obeying is more important than making decisions or thinking critically? When compliance is the primary focus, we’re instilling in kids’ minds that the lesson to be learned is how to follow instructions. And while that is a crucial life skill all must learn; it must also be taught alongside the evaluative process. Some of the most influential people in history have only made an impact because they refused to blindly follow the demands of authority figures in unjust moments. Without their critical thinking, which led to their active disobedience, we never would have had the social progress brought about by Martin Luther King, Jr., Rosa Parks, Susan B. Anthony, Malala Yousafzai or Nelson Mandela.
Focusing solely on pure obedience, or working entirely toward compliance, steals a child’s ability to develop critical thinking skills. Those critical thinking skills are what kids use to keep themselves safe. If that instinctual willingness to disobey is completely suppressed, kids are less likely to report someone who is abusing them, less able to interpret their own fight-or-flight instincts in emergency situations and less willing to create significant social changes in their communities.
So how do we go about instilling these crucial traits while also avoiding argumentative and entitled behavior?
It starts by giving kids options. Instead of telling kids what they can and cannot do, try laying out several options out in front of them and asking what would happen if they chose each option. Help them in making the connection between actions and consequences and they in turn will become more confident in making the right decisions. Kids are more willing to make decisions that we give them credit for.
Oftentimes, when kids disobey or make “bad” choices, it’s not because they want to be harmful or disruptive. It’s because they have not connected their actions to the correct negative consequences, yet. It’s the job of parents, teachers, coaches and advocates to help kids in making those connections, giving them opportunities to learn by trial and error, and helping them process scenarios they might not yet be mature enough to process on their own.
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 willing to sell coverage, stricter underwriting standards make some types of dwellings ineligible for coverage.
Those who can obtain coverage find they are required to “self-insure” to a much greater extent than in the past. Rate increases have intensified over the last year, with deductibles up to 20 percent of the dwelling value being more common than not. Buyers should expect higher prices this year for the same coverage.
In an uncertain market, its not a matter of if, but when the next big earthquake hits. Being proactive is key to obtaining the best results and getting an early start on renewals is crucial. Buyers who can provide better and more detailed information on their risks can expect a higher chance of acceptance from underwriters. Make sure you have a knowledgeable broker that has broad access to markets across the industry, so they can obtain a broader range of quotes and help insureds find the coverage that meets their goals.
If you have any questions or are looking for quotes on earthquake insurance, please contact us and we will be happy to serve you.
Just to add to the already stressful times were are all living in, there is yet another avenue in which hackers are trying to take advantage of online users during the current pandemic.
As we continue to use Zoom video conferencing, it has come to light that there is a new trend called, ‘Zoom Bombing’. Just like any other Phishing or Hacking tactic, there is an easy way to avoid any potential disruptions. Please know, this is not Zoom being hacked directly, but, people accessing your meeting information through other means.
As the situation
around the Coronavirus (COVID-19) continues to quickly evolve, we want to
provide you with an update on how Hawley & Associates is ensuring our
ability to meet your business needs at this unprecedented and challenging time.
Hawley & Associates
will remain fully operational and will continue to provide the insurance
products and services that you have grown accustomed to.
We are monitoring
guidance from the Centers for Disease Control (CDC) and the World Health
Organization (WHO) on a daily basis and are communicating with our staff to
share the latest information as we have it.
We have also taken the
necessary steps to ensure the safety of our staff, while continuing to conduct
business as “normal”. We have facilitated the ability for our employees to
work remotely where appropriate to minimize social contact. You can continue to
reach your Account Manager via our main phone number at (425) 462-4758 or
through their individual emails:
In this uncertain
time, it is understandable that some clients may have coverage questions in
regard to business losses resulting from the virus. Many insurance
policies have a standard policy exclusion for damages resulting from any
communicable disease, such as a virus. It is important to review your
policy wording, as each policy is unique to itself, or contact your
Account Manager with any questions.
Wishing you and your
loved one’s safety and peace during these difficult times. We will
continue to provide updates as they develop. Thank you for allowing us to share
in your mission and we appreciate the trust you have placed in Hawley
& Associates.
Please enjoy Hawley & Associates' 4th Quarter Newsletter. This edition has some important information on changes in the insurance marketplace in 2020, that may affect your organization.
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!
