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December 2019
President's Holiday Message
 Wishing Everyone A Blessed
        Holiday Season!

As another year comes to an end I would like to take a few moments to thank you for allowing us to partner in your mission and to extend my best wishes to you and your family for the coming year.

As you know, the insurance industry is ever-changing. We take pride in evolving, learning and our in  ability to secure the best insurance solutions for our clients.
The new year will present some interesting challenges due to a hardening of the insurance market (see below).  Businesses in many sectors may see premium increases, lower limits and reduction in coverage.  Please be assured that we will continue to work hard for you by advocating in your best interest and by finding the specialty markets and niche insurance programs designed to protect your important mission of helping others.

Even with the turn in the market, we look forward to 2020 with enthusiasm and excitement!  We feel confident in our ability to create even more innovative and cost-effective insurance solutions to our clients.    

Have a wonderful holiday and we will see you in the new year!

~ Phil Hawley
Why Businesses Should Prepare Now For A Hardening Insurance Market
You might not realize it, but times have been pretty good for insurance customers. For the most part, premiums have been steadily reducing for years now. In the insurance world, we call this a soft market. But all that is about to change.

The insurance market is hardening as insurance companies experience higher than expected losses. As a result, a hard insurance market is rearing its ugly head. What does a hard market mean? It means higher premiums, reduced limits, stricter coverage and tighter underwriting requirements for most lines of coverage, including commercial property, GL, E&O, D&O, Auto & EPL.

With commercial property insurance, natural disasters are mainly to blame. The 2017 hurricane season and 2018 California wildfire season were some of the costliest on record. Insurers are citing that climate change is a 'serious' risk, making storms more intense and therefore more costly.

Emerging technologies such as smart features in automobiles (i.e. artificial intelligence and robotics) have created new liability and cyber exposures. The increasing costs to repair/rebuild these vehicles are another contributing factor for increased premiums.

In the child welfare sector - particularly in foster care and adoption, we continue to see significant increases in litigation costs and higher settlements and jury verdicts. As a result, carriers are reluctant to offer higher limits. Even more concerning, are the insurance companies who are exiting the social service market all together, leaving few insurance providers willing to insure the tougher risks.

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In This Issue
Christmas magic 
is silent.  
You don't hear it -you feel it.  
You know it. 
You believe it.

-Kevin Alan Milne


~ North Korea and Cuba are the only two countries where you can't buy Coca Cola.

~ People who are currently alive represent about 7% of the total number of people who have ever lived.

~ There is a website that tracks the world's population in real time.

~ You are more likely to be killed by a champagne cork than by a poisonous spider.

~ Mount Everest is 5.5 miles high above sea level. 

Now You Know!
2019 Wayne Hawley Giving Grant Winners Announced!

The Wayne Hawley Giving Grant is exclusive to H&A clients, and has helped support programs, projects and organizations whose focus is to benefit children, families and our communities.
The grant is named in loving memory of Phil Hawley's father, Wayne Hawley, who was instrumental in the formation of Hawley & Associates, and a guiding force in making H&A the strong, dedicated and caring company it is today.
The grant is comprised of two individual grants in the amount of $5,000.00 each.

We had a record number of applicants this year and it was so difficult to make a selection!  Everyone was so deserving.  Thank you to everyone who applied!  

For information on this years recipients, please click here
Hawley "Happenings"
It's a Bowlapolooza - H&A Style!
October 16, 2019
Bellevue, WA.

A company that plays together stays together !  
Teamwork is a big part of our culture here at Hawley & Associates. We understand that success is tied to how well our team members work and PLAY together.

We took time out and went bowling.  What a great time we had!  We can honestly say that none of us are going 'pro' anytime soon!

Sandy Zuck, our Claims Manager bowled her highest game...ever!  She was the big winner that evening. Way to go, Sandy!    

Dennis Sutton ~ Webinar On
Emerging Trends in Child Welfare
December 17th, 2019

The IARCA Institute for Excellence hosted a webinar on the liability that child welfare agencies carry and how insurance markets are responding. Dennis Sutton, Hawley & Associates' Enterprise Risk Management Officer was the presenter. 

Dennis discussed some of the national trends and issues surrounding liability and what various states are doing (or not doing) to improve the landscape.

The recorded webinar but will not be available until early 2020, but we will share once available.  In the meantime, we have included the PowerPoint Presentation for your convenience and review!

Hawley & Associates LLC | | |
11911 NE 1st St. Ste. B102
Bellevue, WA 98005

* 425-462-4758 * Toll Free 800-914-9135 * Fax 425-462-4783 *