August 9, 2022
D Ward Insurance6 Tips for Teaching Your Teen to Drive
Teaching your teen to drive is preparation for a lifetime of driving. Make the most of this experience. Follow these tips to make your driving instruction proceed more effectively and smoothly: 1. Brush Up on the Rules of the Road While you have internalized many of these rules, you may be a bit rusty on […]
July 22, 2022
D Ward InsuranceBOP Deductibles and How You Can Use Them to Your Advantage
When insuring your small business, you will often find an easy and convenient insurance solution by investing in a business owners policy (BOP). Through a BOP, you will receive several essential pieces of commercial insurance in one place and at one price. While the BOP can be very expansive and beneficial to the policyholder, it […]
July 6, 2022
D Ward InsuranceUnderstanding and Purchasing Hospitality Insurance
Running a business requires oversight because of your responsibility towards your customers. In the hospitality business, this responsibility becomes even more compounded. The hospitality industry caters to many personal needs of customers. Therefore, risks are often high. Hospitality businesses need insurance that protects their assets and their customers. Should an accident or hazard, then hospitality […]
June 20, 2022
D Ward InsuranceWhat are Risk Management Services from Workers Compensation Insurance Plans?
Workers compensation insurance helps give you the financial protection against medical bills and lost time at work should an employee be injured on the job. However, the right business insurance provider can not only help cover those costs, but can also help to minimize the risk of injury at your workplace. As a small business, […]
June 2, 2022
D Ward InsuranceHow to Lower Your Home Insurance Rates without Raising the Deductible
When it comes to lowering home insurance rates, many people think about raising their deductible without giving much thought to other ways of achieving the same effect. One reason for this is that people often don’t consult with their independent insurance agents, who are more than happy to discuss methods of lowering premiums. Many of […]
May 6, 2022
D Ward InsuranceGenerator Tips for Your Home
When the power goes out in the winter, homeowners become concerned about their house getting too cold. The health of family members is an issue. In addition, pipes could freeze and burst, causing significant damage to the home. Many families rely on generators to keep their home warm when the power fails. However, generators have […]
May 5, 2022
D Ward Insurance4 Great Reasons to “Bundle Up” for Auto Insurance Savings
Bundling is simply the process by which we combine our auto insurance with our homeowners or renters insurance. Life insurance may also be added to the mix in many cases. Here are a few advantages of bundling insurance coverage: 1.Discounts: Any enterprise — including insurance companies — tends to give you a better deal […]
April 12, 2022
D Ward InsuranceDoes Commercial Auto Insurance Cover Employee Vehicles?
Commercial auto insurance policies are designed to cover vehicles used or owned by the business, but insurance can get slightly more complicated when it comes to employee vehicles. If your employees use personal vehicles for work, they may not be covered under your business’ basic commercial auto insurance policy. What Does Commercial Auto Insurance Cover? […]
April 12, 2022
D Ward InsuranceProtect Your Important Assets with Umbrella Insurance
Umbrella insurance policies are also known as excess liability policies and are considered an important part of insurance coverage for anyone with even a modest number of financial assets. Many insurance agents routinely advise that everyone should carry an umbrella policy, regardless of their income or assets. What exactly is umbrella insurance and why is […]
March 11, 2022
D Ward InsuranceHow General Liability Insurance Can Benefit Your Business
When you think of protecting your business, the first thing that comes to mind is probably the building, computer equipment and other physical assets that required a substantial investment. But liability risks are equally as important for you to consider. What is a liability risk? A liability is your business’ financial responsibility to another party. […]