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Home > Blog > D. Ward Insurance Services Inc. Blog: insurance
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D. Ward Insurance Services Inc. Blog: insurance

View the latest blog posts from D. Ward Insurance Services Inc..

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Wednesday, August 10, 2022

Bar and Tavern Specialty Insurance

The pub and bar service industry is considerably lucrative. These establishments cater to both the social and dining needs of a wide swath of the population. As with any business, bar owners face dangers specific to their industries. In the alcohol service industry, there are many unique, customer-related risks. READ MORE >>

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Tuesday, August 9, 2022

6 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 others. READ MORE >>

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Friday, July 22, 2022

BOP 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.  READ MORE >>

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Wednesday, July 6, 2022

Understanding 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. READ MORE >>

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Thursday, June 2, 2022

How 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. READ MORE >>

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Friday, May 6, 2022

Generator 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. READ MORE >>

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Thursday, May 5, 2022

4 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. READ MORE >>

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Tuesday, April 12, 2022

Does 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. READ MORE >>

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Tuesday, April 12, 2022

Protect 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. READ MORE >>

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Friday, March 11, 2022

How 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?  READ MORE >>

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