March 2017
Coverage Corner

Tips On Keeping Your Costs Down

The cost of workers' compensation insurance is within your control. If you take some time to understand how the system works, how 
your premiums are calculated, and what options are available, you will be able to keep your payments low.

Here are seven cost-saving moves to investigate with your workers' compensation insurance agent:

1. Make sure your classification is correct.  Misclassification is one of the most common reasons for overpaying WC premiums.

2. Conduct a payroll audit.  WC premiums are based on your regular payroll figures, excluding overtime.  Most states allow you to deduct OT pay to straight time in calculating payroll.

3. Use a deductible.  Currently 27 states will permit employers to reduce their workers' comp premiums by paying a deductible, which can lower your premiums by as much as 25%.

4. Make sure your experience rating is correct.  If you pay more than $5000 in WC premiums, your company receives an experience rating. This rating compares your company's claims history to that of other firms in your industry.  The higher your claims, the riskier you are to insure, and the higher your premiums.

5. Use managed care to reduce medical costs.  Talk to your insurance agent about finding a workers' compensation insurance plan that uses managed medical care to treat injured workers.

6. Institute safety programs.  Company-wide safety programs help reduce the numbers of workers' compensation claims, which will result in lower premiums.

7. Get injured workers back to work.  The quicker an injured worker returns to work, the lower your disability claims will be.  You may need to modify injured worker's assignments or place workers on light duty

Are You a Hard-to-Place Risk?
Some organizations just don't fit the mold for the standard insurance market to handle. 
Several scenario's may classify your organ-ization as 'High Risk' and can result in difficulties in finding the right insurance coverage, or for that matter, any insurance coverage at all.


  • Do you have a high loss history?
  • Does the owner have little or no experience?
  • Are you a start-up with no prior coverage?
  • Have you received a non-renewal or cancellation notice?

  • Do your functions involve a high level of risk for property damage, personal injury or death?
  • Have you been turned down by other agents/brokers?
  • Do you operate in a high risk area (flood or tornado prone areas)?
  • Have you had a lapse in coverage?
  • Do you have Multi-State exposures?
Hawley & Associates is proud of the reputation we have earned in placing Hard-to-Place risks as well as the unique solutions we can offer your organization.  

Contact Hawley & Associates today for more information!
In This Issue
We are 
what we repeatedly do. Excellence
therefore, is not an act but a habit.

- Aristotle
Hello Spring!
Welcoming New Clients In:
- Denver, CO.

- St. George, UT

- CO. Springs,  CO

- Cave Creek, AZ

- Salt Lake City, UT

- Milwaukie, OR

- Omaha, NE
March is National
Social Worker Month!

 We want to take this opportunity to recognize all the amazing men and women who dedicate their lives to serving others.

Thank you for what you do and for your mission in making the world a better place!
Andy Anderson, Account Manager 
Achieves CISR Designation

Hawley & Associates encourages professional development for each of it's employees, not only to better themselves, but to provide excellent service through knowledge to our clients.

We are excited to announce that H&A Account Manager, Andy Anderson recently achieved the high honor of obtaining his CISR Designation (Certified Insurance Service Representative).

The CISR designation is a mark of distinction that demonstrates a personal commitment to exceptional service and leadership in the insurance industry.

Congratulations, Andy!

H&A Attends NATSAP Conference
Tuscon, AZ - January 2017

Hawley & Associates was excited to once again attend the National Association of Therapeutic Schools and Programs (NATSAP) annual conference. This year, it was held in Tuscon, AZ.  
TJ Armstrong (Business Development Manager) represented H&A at the conference.

NATSAP members include therapeutic schools, residential treatment programs, wilderness programs, outdoor therapeutic programs, young adult programs and home-based residential programs working with troubled teens and troubled adolescents. 

These organizations work through NATSAP to make sure their industry provides the highest quality services to the young people and families they serve.

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

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