Industry Specific Solutions

HAWK’s Commercial Insurance Advisers take a craftsman style approach to managing risk.  We make a concerted effort to study industry prospectus to learn about the challenges and opportunities facing our client partners.   Hawk’s specialty insurance programs are crafted with careful attention to detail, including coverage enhancements that are not found in most standard policies.  Please take a moment to review the trends and developments that we are following closely in each of our target industry segments.

Don’t see your industry listed?  We invite you to start a conversation with a HAWK Commercial Adviser to discuss your specific needs and objectives.

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Get in touch with a HAWK commercial insurance adviser by calling (540) 343-4309, or drop us a line using the form below.
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Construction

According to reports, the construction industry is showing signs of significant growth.  This renewed optimism is a vast improvement from the industry outlook nearly half a decade ago.

HAWK Advisers is a dedicated team of construction specialists that stands ready to assist our client partners through periods of adversity and prosperity.  HAWK is an active member of the Association of General Contractors (AGC); and we support their commitment to advocacy, risk management, and safety & health.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for contractors.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Project specific insurance coverage
  • Reduced coverage for additional insureds
  • Functional evaluation testing
  • Contractual risk transfer and insuring agreements

Our client portfolio consists of construction firms in Highway & Bridge, Residential & Commercial GC’s, Developers, Steel Erection, Excavation, Environmental, and Specialty Trades.

Responding to the needs of our construction clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.

Manufacturing

Emerging technologies and an economy on the rebound is creating optimism for manufacturing companies.  Experts speculate that a renaissance in technological systems that improve efficiencies and performance may level the playing field for U.S. firms that are competing with offshore labor rates.  HAWK Advisers is a dedicated team of manufacturing specialists.

While manufacturing firms are dialing in ways to compete globally, we stand ready to help them evaluate operational risks and approach emerging market opportunities with confidence.  The manufacturing industry is evolving at a rapid pace; and while growth is not robust, many are preparing for the tides to change.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for manufacturers.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Product liability
  • Manufacturing errors and omissions (E&O)
  • Continuity planning
  • International coverage
  • Supply chain risks

Our client portfolio consists of manufacturing firms in Wood, Plastic, Metal, Design Build, Food & Beverage, Textiles, Auto Parts, Machinery, and Equipment.

Responding to the needs of our manufacturing clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.

Wholesalers & Distributers

Industry experts are forecasting “above average” growth for the wholesale and distribution markets.  Cost savings on fuel is one indicator that is leading to higher profit margins and increased demand.   Other opportunities for growth include the prospect of adding more services to compliment internet sales, inventory management, just-in-time delivery, processing, fulfillment, and pre-packaging.

Pundit’s site direct points of sale, fluctuating interest rates, and fuel price volatility as concerns that may impact economic projections.  However, improved service capabilities and technology have most betting on a promising future ahead.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for Wholesalers & Distributers.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Product recall expense
  • Transportation coverage
  • Fleet safety management
  • Contingent business interruption and lost income

Our client portfolio consists of Wholesalers & Distributers of Apparel, Food & Beverages, Home Furnishings, Industrial Supplies, Office Equipment & Supplies, Plumbing, and Heating Equipment.

Responding to the needs of our Wholesale & Distribution clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.

Hospitality

Fresh off of a dynamic year-end, the hospitality industry is projected to forge ahead despite changing consumer behaviors.  Personalized customer experiences, mobile technology, social media, and data driven analytics are essential to capturing the evolving customer.

Market disruptors are finding opportunities in the hospitality space by embracing technology and building trust around a sharing economy.  Savvy users are finding accommodations and entertainment through a variety of online booking sites and community listings that operate under less industry oversight and consumer protections.  Fewer regulations and greater accessibility is driving competition.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for Hospitality operations.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Cyber liability and data breach
  • Food-borne illness
  • Legionella and carbon monoxide
  • Hospitality ergonomics
  • Employment practices liability, including wage & hour defense costs

Our Hospitality portfolio consists of Franchise hotels, Boutique hotels, Bed & Breakfasts, Golf courses, Restaurants, and Resorts.

Responding to the needs of our Hospitality clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.

Nonprofits

Nonprofit organizations have a long history of transforming democracy through the use of private resources and government funding for public benefit.

Shifting political winds and economic changes have industry experts predicting times of uncertainty ahead for the nonprofit industry.  Money flowing through state and federal governments will likely have more strings attached and tougher oversight.  Diversified funding and broader public support are essential for sustainability in the twenty-first century.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for Nonprofit operations.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Management liability for directors, officers and fiduciaries
  • Professional liability
  • Abuse and misconduct
  • Special event & event cancelation insurance
  • Data breach and cyber liability

Our Non-profit portfolio consists of Community action programs, Faith-based ministries, Performing arts organizations, Integrated employment services, Civil organizations & clubs, and Private schools, Colleges, and Universities.

Responding to the needs of our Non-profit clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.

Family Entertainment and Amusement

Family Entertainment Center’s are filling a growing demand for a variety of engaging and interactive entertainment options.  According to recent reports, family entertainment spending is up significantly; and the appeal is spreading to a larger demographic than ever before.  Today’s consumers have found the FEC experience to be fun, rewarding, and a good value for their money.  Gone are the days of simple setups and single-focus attractions.  The key to success now relies on a multi-faceted experience that includes private parties, upscale dining, recreation, live entertainment, event planning, and multiple attractions that keep visitors returning for more.

Among the biggest challenges for FEC’s are staying on top of potential changes in legislation affecting arcade operations and local minimum wages.  Several U.S. states have voted to regulate prize-awarding machines and increase minimum wages to $15.

HAWK Advisers is the parent company of SafePark USA.  SafePark USA’s team has the technical expertise to confront the increasing demands for compliance and insurance protection for Family Entertainment Centers & Amusement operators.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.

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Elder-Care and Senior-Living Facilities

The number of American senior citizens is growing and projected to reach over 83 million.  Roughly 10,000 people will turn 65 every day for the next 20 years.  The Elder-care industry is valued at over $300 million and most experts anticipate spending to grow at an annual rate of 8% or more.

While this is a massive opportunity, there is a pervasive challenge with overcoming huge costs for fixed-income seniors and their families.  Unstable economic conditions have many baby boomers delaying their plans for retirement, and changes in federal and state regulations is cause for some uncertainty.  The industry will likely need to overcome a spike in demand for healthcare workers, competition from retirement communities abroad, and need for more cost-effective-pricing model for long-term care.

HAWK’s Advisers and Account Management team have the technical expertise to confront the increasing demands for compliance and insurance protection for Elder-care and Senior-Living facility operations.  A number of opposing forces are at work that make obtaining the right insurance coverage more challenging than ever.  We are keeping a watchful eye on the following trends and developments:

  • Management liability for Directors, Officers, and Fiduciaries
  • Professional liability
  • Abuse and misconduct
  • Resident & caregiver safety
  • Data breach and Cyber liability

Our Elder-care & Senior-living facility portfolio consists of Continuing care retirement communities, Assisted living, Skilled nursing, Intermediate care, Home healthcare agencies, Hospice, non-emergency Paratransit, and Aging services organizations.

Responding to the needs of our Elder-care & Senior-living facility clients and supporting their operations through a cost-effective, flexible, and rewarding approach to managing risk is what we do.  Let us put our Advisers, Account Managers, and Resources to work for you.