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December 2020
 A Message from Phil Hawley

This holiday season will be unlike any other, to top off a year unlike any other. The pandemic continues to produce uncertainty and we all are looking for ways to navigate through these unprecedented times the best we can.

Despite the challenges of this past year, it is also a time that's bringing out the best in many people-from the first responders and healthcare workers fighting on the front-lines, to the essential workers providing food, products and services. On behalf of everyone at Hawley & Associates, we are incredibly thankful to all of our clients who are serving and caring for the children, families and communities in need during these difficult times. The need has never been greater. We are proud to partner in your mission of serving others.

Throughout this holiday season, and as we move into a new year, we wish you moments of peace amid the turmoil, heartfelt connections with family and friends, even if we can't be with them in person, and the warmth of memories from holidays past.

Have a safe and blessed holiday season.

~Phil Hawley

   10 Tips on Reducing Your Commercial Auto Risks
U.S. commercial auto insurers report worst losses in a decade, according to a recent AM Best report.  The growth in incurred losses has outpaced earned premium growth.

With a combination of these skyrocketing losses and sudden changes in insurers' appetites, it is making for an unpleasant journey finding affordable commercial auto coverage.

Businesses must actively manage the risks that drive up premiums. Here are some risk management tips to help you improve your experience rating and keep your premiums down:
  • Consider using a monitoring service, such as SAMBA, to automate your drivers monitoring program. 
  • Add GPS tracking to your vehicles, helping to monitor vehicle location and speeds.
  • Pre-screen all new hires by obtaining DMV reports.
  • If your driver has two or more incidents, you don't want them on the road.
  • DUI or DWI's are a deal-breaker.  
  • Raise your deductible. For best results, keep your deductible above $2,500 or so. This can help you keep any fender-benders off the books.
  • Maintain an ongoing safe driver program or a "How's My Driving" program. Consider rewarding drivers for incident free driving. 
  • Install backup cameras in all your vehicles.
  • If your state allows, consider a safe-driving clause in the employment agreement.
  • Expensive vehicles mean higher premiums.  Don't spend more on vehicles than necessary.
If you don't own any company vehicles and use personal, hired or rental vehicles for business use, you should consider Hired and Non-Owned Auto coverage. The number of vehicles you use, the value of the vehicles, the demographics of the drivers, and driving records can all affect the cost of hired and non-owned auto insurance. 
In This Issue
What is Christmas? It is the tenderness for the past, courage for the present, and hope for the future.

-Agnes M. Pahro
Some "COOL"Facts About Snow!

* The Guinness Book of World Records lists the largest snowflake on record to be 15" wide.

* The largest snowball fight in the U.S. (exactly 5834 snowballers) came together in Seattle, WA in 2013.

* Snowflakes always have six sides.

* Chionophobia is the extreme dislike or fear of snow.

* Every winter, approx. 1 septillion (that is a trillion trillion) snow crystals fall from the sky!

Hosting A Virtual Office Holiday Party

The office holiday party will look a little different this year.  With the COVID-19 pandemic, many businesses will simply cancel their annual event all together.  After all, how can you have a holiday celebration and social distance?

This year, the virtual holiday party is all the rage. Your staff may not be in the same room, but a virtual party can still help maintain strong connections between co-workers, as well as creating a sense of normalcy, and much needed holiday spirit.  

Here are some fun ideas for hosting your holiday party virtually:
  • Hire a company that can fully host the party for you
  • Best decorated holiday background contest (could be a virtual background or real decorations)
  • Holiday costume contest
  • Play games.  Online games are fun and easy to do!
  • Gingerbread House decorating contest.  You can purchase pre-made kits online.  Best house wins!
  • Secret Santa. Be sure to check out gift exchange platforms like Elfster,
You can find MANY more great ideas online!  Have a great and safe holiday party!

Hawley "Happenings"
So...How Are We Doing?

At Hawley & Associates, it is our goal to be worthy of your business by making you our top priority.

We are always trying to improve the customer experience by listening to feedback from our clients.  To help us better serve you, we invite you to take this short customer survey.  Your feedback is invaluable in helping us exceed your expectations.

If you are happy with your experience at H&A and want to shout it to the world (ok, you don't actually have to shout!), we would welcome a positive Google review!
Happy 10 Year Anniversary, Andy Anderson!

We all want to wish Andy Anderson, our Sr. Account Manager, a happy 10 year anniversary with Hawley & Associates!  

Andy joined H&A back in 2010 and started as an assistant account manager.  As we look back on his many accomplishments and successes, they are a true testimony of his commitment and passion for what he does. 

Thank you, Andy, for your professionalism, hard work and dedication to our clients and the company.  We feel privileged and proud to have you part of our family. 

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

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