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September 2015
Coverage Corner
Stopping The Abuse
Now more than ever, it's critical for organizations to protect the children they serve from abuse. At the same time, they also need to protect the organization itself and it's employees from the threat of a lawsuit.  But, how do you recognize abuse?  When is it considered abuse? 

Here are a few guidelines to help you recognize potential abuse, how to determine if it is abuse and a few suggestions to put in your risk management toolbox:

What is abuse?

Abuse can take on many forms, but is generally defined as:

1. Verbal Abuse - To wrong in speech, revile or malign

2. Written Abuse - Disparaging or degrading comments

3. Visual Abuse - Pornography, grooming

4. Physical Abuse - Hitting, spanking, punching

5. Sexual Abuse - Indecent exposure, sexual contact

When is it abuse?

1. Abuse is really in the eye of the beholder
2. Use the broadest possible definition
3. The legal definition of abuse varies by state
4. Always error on the side of caution                             

Are you protected from a lawsuit?

It is important to read your insurance policies very carefully. The definition of abuse varies greatly from carrier to carrier and can include limitations and even exclusions.  Read the fine print, because the insurance companies live by them. 

It is also a good idea to familiarize yourself of the Statutes of Limitations in your state, as these can vary greatly as well.
Is There A Merger In Your Future?

Evaluating your insurance program is vital component of any merger.  There are significant risk management and insurance ramifications that need to be considered. This important review will also provide insight into the overall operations and claim history of the company being acquired. Sadly, many times this important aspect is overlooked until after the deal is finalized.   

The final product should be a single insurance program for the combined entity that picks up the prior liabilities of both companies, and will also involve the cancellation of the unnecessary policies.

A company that is a poor insurance risk or has an negative loss history, may also be a poor business risk.  

Contact Hawley & Associates today regarding your merger.  We can review your current insurance program and help insure a successful merger!
In This Issue
Quarterly Quote
Many of life's failures are people who did not realize how close they were to success when they gave up. 

-Thomas Edison
Welcoming New Businesses In:
* Phoenix, AZ.

* Chicago, IL.

* Bourbonnais, IL.

* Seattle, WA.

* East Palo Alto, CA.

* Pflugerville, TX.
2015 H&A Caring Fund Grant Winners Announced!
Hawley & Associates, in partnership with the 
NCFA (National Council for Adoption) have come together once again to form the 2015 H&A Caring Fund Grant.  The Grant is open to all NCFA National Adoption Conference attendees. This year we offered two grants in the amount of $5000.00 each.

All grant applications were carefully reviewed by the H&A Caring Fund Grant Committee and it was such a difficult decision to pick just two!  There are many wonderful organizations doing such amazing work! 

The recipients selected for this years grants are:

These grants will be aiding deaf orphans in Uganda to receive an education and life skills training, as well as acquiring much needed equipment and supplies to help sustain the operations of the center & school. The grant will also help build a new Adoption Support Center here in the US, offering post adoption support for families and children. The majority of these adopted children where exposed to trauma, neglect and other challenges.  The center will offer counseling, support and intervention to these families.

Thank you to everyone who applied and for all the amazing things you do for the community, families and children! 
Special Dogs Find Loving Home Through "Old Dog Haven"
To say H&A's Assistant Account Manager, Heather Roe loves animals, would be an understatement!  She has always been passionate about animals, especially her two horses.  So, it wasn't a surprise when she told us about her plan to foster parent two older, special needs dogs from a Old Dog Haven.

Old Dog Haven is a 501(c)3 non-profit organization and is a network of private homes helping Western Washington's homeless senior dogs.  They have no shelters or kennels, and all the dogs live as members of a family.  They care for over 250 dogs at a time in foster homes.

They focus on the oldest dogs left at shelters but occasionally can take a dog directly from the owner. Dogs in good health with reasonable life expectancy are adopted out; the rest are loved and cared for in a Final Refuge foster home for as long as they have good quality of life. 

Pictured from left to right:  Scooter and Skipper!

H&A Attends & Sponsors the
Odyssey House "Summer Fling"
Salt Lake City, UT.

Hawley & Associates was so excited to once again attended and sponsor the Odyssey House "Summer Fling" fundraiser in Salt Lake City, UT.

Odyssey House is a non-profit agency serving thousands of community members over the past 44 years.  Each ticket purchased directly impacted those they serve.

The event took place at the Salt Lake City Country Club and included a beautiful buffet dinner, silent auction, live music and outside seating with a breathtaking view of the golf course.

The stories of hope and triumph were abundant. The passion for what they do is so evident and we are truly honored to be associated with an organization so dedicated in giving back and helping others.

New Roads Behavioral Health's
Open House for a New Women's Program
Murray, UT.

We were honored to join New Roads Behavioral Health and their Executive Director, Eric Schmidt at the unveiling of their new woman's program in Murray, UT.  Salt Lake City's mayor, Ben McAdams performed the ribbon cutting ceremony.

New Roads has a culture that is focused on rehab treatment programs specific for young adults in the 18-28 age range. They offer science-based treatment plans, rehabilitation, counseling and focused life-skills training.

This new program will help enable even more women the access to the resources, education and treatment they need to build hope back into their lives. 

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

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