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.

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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):

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• 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

 

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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!

 

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!

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!

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!

HAPPY VALENTINE'S DAY! We Love Our Clients!

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!

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.